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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 | $1,492,876 | $199,109+649.8% | $173,730+759.3% | $154,746+864.7% |
| Participation rate | 35.7% | 82.8%-47.1pp | 79.6%-43.9pp | 80.7%-45.0pp |
| Annual return | 2.04% | 20.02%-18.0pp | 19.96%-17.9pp | 172.34%-170.3pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $0 | $7,113-100.0% | $6,326-100.0% | $6,730-100.0% |
| Admin fee / account holder | $7,966 | $20,916-61.9% | $17,523-54.5% | $14,365-44.5% |