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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 | $626,252 | $183,516+241.3% | $155,534+302.6% | $145,884+329.3% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.67% | 61.43%-54.8pp | 64.92%-58.2pp | 551.85%-545.2pp |
| Employer contribution / active EE | $5,363 | $5,315+0.9% | $4,675+14.7% | $4,662+15.0% |
| Participant deferral / active EE | $7,688 | $6,467+18.9% | $5,630+36.5% | $6,690+14.9% |
| Admin fee / account holder | $3,772 | $19,293-80.4% | $15,900-76.3% | $13,392-71.8% |