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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 | $486,089 | $166,268+192.4% | $165,100+194.4% | $145,897+233.2% |
| Participation rate | 57.1% | 82.0%-24.9pp | 78.6%-21.5pp | 80.3%-23.2pp |
| Annual return | 4.71% | 100.52%-95.8pp | 70.21%-65.5pp | 552.29%-547.6pp |
| Employer contribution / active EE | $13,664 | $5,284+158.6% | $4,348+214.2% | $4,663+193.0% |
| Participant deferral / active EE | $10,810 | $6,964+55.2% | $6,035+79.1% | $6,689+61.6% |
| Admin fee / account holder | $3,686 | $16,659-77.9% | $12,696-71.0% | $13,390-72.5% |