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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 | $178,174+737.9% | $156,181+855.9% | $137,256+987.7% |
| Participation rate | 35.7% | 82.0%-46.3pp | 78.8%-43.1pp | 80.0%-44.2pp |
| Annual return | 2.04% | 84.19%-82.1pp | 64.87%-62.8pp | 220.34%-218.3pp |
| Employer contribution / active EE | $0 | $4,972-100.0% | $4,294-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $0 | $6,888-100.0% | $6,132-100.0% | $6,407-100.0% |
| Admin fee / account holder | $7,966 | $17,404-54.2% | $14,586-45.4% | $12,270-35.1% |