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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 | $493,549 | $160,028+208.4% | $147,080+235.6% | $145,884+238.3% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 8.43% | 98.60%-90.2pp | 420.17%-411.7pp | 551.85%-543.4pp |
| Employer contribution / active EE | $4,015 | $5,286-24.0% | $4,933-18.6% | $4,662-13.9% |
| Participant deferral / active EE | $21,760 | $8,422+158.4% | $8,066+169.8% | $6,690+225.3% |
| Admin fee / account holder | $7,187 | $15,030-52.2% | $12,989-44.7% | $13,392-46.3% |