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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 | $213,785+598.3% | $185,441+705.0% | $155,188+862.0% |
| Participation rate | 35.7% | 83.2%-47.5pp | 80.3%-44.5pp | 80.8%-45.1pp |
| Annual return | 2.04% | 19.97%-17.9pp | 20.16%-18.1pp | 148.84%-146.8pp |
| Employer contribution / active EE | $0 | $5,393-100.0% | $4,672-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $0 | $6,864-100.0% | $6,152-100.0% | $6,531-100.0% |
| Admin fee / account holder | $7,966 | $21,134-62.3% | $17,890-55.5% | $14,480-45.0% |