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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 | $535,962 | $89,367+499.7% | $141,191+279.6% | $72,975+634.4% |
| Participation rate | 28.6% | 75.1%-46.6pp | 82.5%-53.9pp | 69.5%-40.9pp |
| Annual return | 0.25% | 111.87%-111.6pp | 71.41%-71.2pp | 81.01%-80.8pp |
| Employer contribution / active EE | $4,000 | $3,115+28.4% | $4,736-15.5% | $2,440+63.9% |
| Participant deferral / active EE | $7,826 | $5,419+44.4% | $6,710+16.6% | $3,608+116.9% |
| Admin fee / account holder | $92,316 | $5,957+1449.8% | $10,264+799.4% | $5,124+1701.6% |