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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 | $412,892 | $72,071+472.9% | $68,368+503.9% | $137,256+200.8% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 12.41% | 353.14%-340.7pp | 292.57%-280.2pp | 220.34%-207.9pp |
| Employer contribution / active EE | $650 | $2,788-76.7% | $2,649-75.5% | $4,156-84.4% |
| Participant deferral / active EE | $11,750 | $4,410+166.4% | $4,123+185.0% | $6,407+83.4% |
| Admin fee / account holder | $1,881 | $5,336-64.7% | $5,150-63.5% | $12,270-84.7% |