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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 | $642,733 | $183,627+250.0% | $155,602+313.1% | $145,978+340.3% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 8.19% | 61.32%-53.1pp | 64.81%-56.6pp | 550.52%-542.3pp |
| Employer contribution / active EE | $10,395 | $5,316+95.5% | $4,675+122.3% | $4,662+123.0% |
| Participant deferral / active EE | $8,119 | $6,466+25.6% | $5,629+44.2% | $6,690+21.4% |
| Admin fee / account holder | $4,095 | $19,327-78.8% | $15,923-74.3% | $13,400-69.4% |