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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 | $448,713 | $160,028+180.4% | $147,080+205.1% | $145,884+207.6% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 9.52% | 98.60%-89.1pp | 420.17%-410.6pp | 551.85%-542.3pp |
| Employer contribution / active EE | $2,360 | $5,286-55.4% | $4,933-52.2% | $4,662-49.4% |
| Participant deferral / active EE | $6,462 | $8,422-23.3% | $8,066-19.9% | $6,690-3.4% |
| Admin fee / account holder | $20,445 | $15,030+36.0% | $12,989+57.4% | $13,392+52.7% |