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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 | $326,927 | $183,539+78.1% | $155,556+110.2% | $145,897+124.1% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 8.56% | 61.31%-52.7pp | 64.84%-56.3pp | 552.29%-543.7pp |
| Employer contribution / active EE | $11,861 | $5,315+123.1% | $4,675+153.7% | $4,663+154.4% |
| Participant deferral / active EE | $4,600 | $6,467-28.9% | $5,631-18.3% | $6,689-31.2% |
| Admin fee / account holder | $12,258 | $19,275-36.4% | $15,885-22.8% | $13,390-8.5% |