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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 | $643,924 | $183,539+250.8% | $155,556+313.9% | $145,897+341.4% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 8.20% | 61.31%-53.1pp | 64.84%-56.6pp | 552.29%-544.1pp |
| Employer contribution / active EE | $1,200 | $5,315-77.4% | $4,675-74.3% | $4,663-74.3% |
| Participant deferral / active EE | $3,033 | $6,467-53.1% | $5,631-46.1% | $6,689-54.7% |
| Admin fee / account holder | $2,328 | $19,275-87.9% | $15,885-85.3% | $13,390-82.6% |