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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 | $468,921 | $103,008+355.2% | $90,304+419.3% | $152,897+206.7% |
| Participation rate | 50.0% | 75.9%-25.9pp | 73.3%-23.3pp | 82.5%-32.5pp |
| Annual return | 7.23% | 95.22%-88.0pp | 78.13%-70.9pp | 345.43%-338.2pp |
| Employer contribution / active EE | $1,779 | $3,139-43.3% | $2,855-37.7% | $4,764-62.7% |
| Participant deferral / active EE | $12,653 | $4,281+195.5% | $3,885+225.7% | $5,851+116.2% |
| Admin fee / account holder | $77,843 | $6,175+1160.7% | $5,354+1354.0% | $11,599+571.1% |