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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 | $591,668 | $183,539+222.4% | $155,556+280.4% | $145,897+305.5% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 7.93% | 61.31%-53.4pp | 64.84%-56.9pp | 552.29%-544.4pp |
| Employer contribution / active EE | $1,049 | $5,315-80.3% | $4,675-77.6% | $4,663-77.5% |
| Participant deferral / active EE | $2,403 | $6,467-62.8% | $5,631-57.3% | $6,689-64.1% |
| Admin fee / account holder | $1,474 | $19,275-92.4% | $15,885-90.7% | $13,390-89.0% |