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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 | $761,165 | $117,829+546.0% | $102,423+643.2% | $145,877+421.8% |
| Participation rate | 57.1% | 78.6%-21.5pp | 76.5%-19.4pp | 80.3%-23.2pp |
| Annual return | -1.42% | 31.83%-33.3pp | 29.42%-30.8pp | 551.28%-552.7pp |
| Employer contribution / active EE | $4,788 | $3,615+32.5% | $3,023+58.4% | $4,663+2.7% |
| Participant deferral / active EE | $10,607 | $5,732+85.0% | $5,054+109.9% | $6,691+58.5% |
| Admin fee / account holder | $6,888 | $13,335-48.3% | $9,455-27.1% | $13,402-48.6% |