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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 | $619,929 | $166,242+272.9% | $165,071+275.6% | $145,884+324.9% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.6%-18.6pp | 80.3%-20.3pp |
| Annual return | -7.35% | 100.44%-107.8pp | 70.17%-77.5pp | 551.85%-559.2pp |
| Employer contribution / active EE | $4,533 | $5,283-14.2% | $4,347+4.3% | $4,662-2.8% |
| Participant deferral / active EE | $3,850 | $6,964-44.7% | $6,035-36.2% | $6,690-42.4% |
| Admin fee / account holder | $45,023 | $16,658+170.3% | $12,695+254.6% | $13,392+236.2% |