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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 | $381,300 | $176,077+116.6% | $159,455+139.1% | $167,518+127.6% |
| Participation rate | 45.5% | 84.9%-39.5pp | 82.8%-37.4pp | 82.1%-36.7pp |
| Annual return | 8.67% | 331.83%-323.2pp | 263.63%-255.0pp | 478.71%-470.0pp |
| Employer contribution / active EE | $1,797 | $5,298-66.1% | $4,830-62.8% | $4,838-62.9% |
| Participant deferral / active EE | $3,666 | $7,751-52.7% | $7,353-50.1% | $6,342-42.2% |
| Admin fee / account holder | $10,259 | $12,556-18.3% | $10,800-5.0% | $12,312-16.7% |