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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 | $259,484 | $160,040+62.1% | $147,096+76.4% | $145,877+77.9% |
| Participation rate | 35.7% | 84.0%-48.3pp | 82.2%-46.5pp | 80.3%-44.6pp |
| Annual return | 8.30% | 98.49%-90.2pp | 419.75%-411.4pp | 551.28%-543.0pp |
| Employer contribution / active EE | $1,751 | $5,289-66.9% | $4,936-64.5% | $4,663-62.5% |
| Participant deferral / active EE | $6,325 | $8,429-25.0% | $8,071-21.6% | $6,691-5.5% |
| Admin fee / account holder | $11,792 | $15,050-21.7% | $13,005-9.3% | $13,402-12.0% |