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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 | $166,131+192.6% | $164,975+194.6% | $145,877+233.2% |
| Participation rate | 57.1% | 82.0%-24.9pp | 78.6%-21.5pp | 80.3%-23.2pp |
| Annual return | 4.71% | 100.37%-95.7pp | 70.12%-65.4pp | 551.28%-546.6pp |
| Employer contribution / active EE | $13,664 | $5,276+159.0% | $4,343+214.6% | $4,663+193.0% |
| Participant deferral / active EE | $10,810 | $6,962+55.3% | $6,033+79.2% | $6,691+61.6% |
| Admin fee / account holder | $3,686 | $16,648-77.9% | $12,688-71.0% | $13,402-72.5% |