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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 | $638,833 | $175,257+264.5% | $149,717+326.7% | $139,456+358.1% |
| Participation rate | 28.6% | 83.4%-54.8pp | 78.8%-50.2pp | 80.3%-51.8pp |
| Annual return | 4.16% | 166.70%-162.5pp | 134.41%-130.3pp | 373.45%-369.3pp |
| Employer contribution / active EE | $1,622 | $5,477-70.4% | $4,820-66.3% | $4,753-65.9% |
| Participant deferral / active EE | $8,680 | $6,521+33.1% | $5,682+52.8% | $6,711+29.3% |
| Admin fee / account holder | $6,937 | $16,156-57.1% | $13,213-47.5% | $11,407-39.2% |