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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 | $253,099 | $180,749+40.0% | $160,784+57.4% | $137,256+84.4% |
| Participation rate | 40.0% | 80.0%-40.0pp | 77.0%-37.0pp | 80.0%-40.0pp |
| Annual return | 6.26% | 2234.46%-2228.2pp | 1803.92%-1797.7pp | 220.34%-214.1pp |
| Employer contribution / active EE | $3,610 | $4,155-13.1% | $3,733-3.3% | $4,156-13.1% |
| Participant deferral / active EE | $14,665 | $6,844+114.3% | $6,293+133.0% | $6,407+128.9% |
| Admin fee / account holder | $662,270 | $10,397+6269.9% | $9,717+6715.6% | $12,270+5297.4% |