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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 | $623,128 | $175,231+255.6% | $149,696+316.3% | $139,466+346.8% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 5.02% | 166.77%-161.7pp | 134.46%-129.4pp | 373.66%-368.6pp |
| Employer contribution / active EE | $13,333 | $5,478+143.4% | $4,821+176.6% | $4,754+180.5% |
| Participant deferral / active EE | $10,000 | $6,521+53.3% | $5,682+76.0% | $6,712+49.0% |
| Admin fee / account holder | $7,616 | $16,155-52.9% | $13,212-42.4% | $11,409-33.2% |