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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 | $478,791 | $72,071+564.3% | $68,368+600.3% | $137,256+248.8% |
| Participation rate | 9.1% | 76.2%-67.1pp | 73.8%-64.7pp | 80.0%-70.9pp |
| Annual return | 12.15% | 353.14%-341.0pp | 292.57%-280.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $473 | $2,788-83.0% | $2,649-82.2% | $4,156-88.6% |
| Participant deferral / active EE | $827 | $4,410-81.2% | $4,123-79.9% | $6,407-87.1% |
| Admin fee / account holder | $3,523 | $5,336-34.0% | $5,150-31.6% | $12,270-71.3% |