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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 | $305,071 | $159,978+90.7% | $147,041+107.5% | $145,978+109.0% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.7pp |
| Annual return | 9.36% | 98.36%-89.0pp | 419.21%-409.8pp | 550.52%-541.2pp |
| Employer contribution / active EE | $3,402 | $5,288-35.7% | $4,935-31.1% | $4,662-27.0% |
| Participant deferral / active EE | $9,306 | $8,429+10.4% | $8,071+15.3% | $6,690+39.1% |
| Admin fee / account holder | $913 | $15,053-93.9% | $13,006-93.0% | $13,400-93.2% |