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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 | $282,638 | $148,623+90.2% | $135,974+107.9% | $139,466+102.7% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 8.42% | 79.30%-70.9pp | 68.30%-59.9pp | 373.66%-365.2pp |
| Employer contribution / active EE | $2,824 | $5,246-46.2% | $4,859-41.9% | $4,754-40.6% |
| Participant deferral / active EE | $14,613 | $8,103+80.4% | $7,760+88.3% | $6,712+117.7% |
| Admin fee / account holder | $9,254 | $12,406-25.4% | $10,767-14.0% | $11,409-18.9% |