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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 | $992,942 | $209,336+374.3% | $197,124+403.7% | $137,256+623.4% |
| Participation rate | 50.0% | 87.3%-37.3pp | 86.7%-36.7pp | 80.0%-30.0pp |
| Annual return | 10.66% | 48.09%-37.4pp | 44.34%-33.7pp | 220.34%-209.7pp |
| Employer contribution / active EE | $11,451 | $6,591+73.7% | $6,227+83.9% | $4,156+175.5% |
| Participant deferral / active EE | $8,975 | $9,614-6.6% | $9,135-1.7% | $6,407+40.1% |
| Admin fee / account holder | $44,882 | $17,308+159.3% | $16,298+175.4% | $12,270+265.8% |