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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 | $686,605 | $165,399+315.1% | $149,745+358.5% | $158,982+331.9% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 7.41% | 348.34%-340.9pp | 276.72%-269.3pp | 302.99%-295.6pp |
| Employer contribution / active EE | $4,201 | $5,105-17.7% | $4,646-9.6% | $4,763-11.8% |
| Participant deferral / active EE | $11,553 | $7,183+60.8% | $6,843+68.8% | $5,983+93.1% |
| Admin fee / account holder | $11,443 | $10,811+5.8% | $9,312+22.9% | $11,252+1.7% |