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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $274,654 | $160,028+71.6% | $147,080+86.7% | $145,884+88.3% |
| Participation rate | 54.5% | 84.0%-29.5pp | 82.2%-27.6pp | 80.3%-25.8pp |
| Annual return | 9.27% | 98.60%-89.3pp | 420.17%-410.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $2,071 | $5,286-60.8% | $4,933-58.0% | $4,662-55.6% |
| Participant deferral / active EE | $6,744 | $8,422-19.9% | $8,066-16.4% | $6,690+0.8% |
| Admin fee / account holder | $2,307 | $15,030-84.7% | $12,989-82.2% | $13,392-82.8% |