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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 | $517,207 | $71,197+626.4% | $93,669+452.2% | $80,925+539.1% |
| Participation rate | 11.9% | 60.4%-48.5pp | 68.7%-56.8pp | 67.7%-55.8pp |
| Annual return | 6.89% | 11.27%-4.4pp | 133.59%-126.7pp | 35.65%-28.8pp |
| Employer contribution / active EE | $458 | $1,565-70.7% | $2,424-81.1% | $2,756-83.4% |
| Participant deferral / active EE | $2,362 | $4,036-41.5% | $4,416-46.5% | $4,299-45.1% |
| Admin fee / account holder | $20,660 | $6,959+196.9% | $8,291+149.2% | $6,940+197.7% |