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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 | $444,478 | $176,077+152.4% | $159,455+178.7% | $167,518+165.3% |
| Participation rate | 60.0% | 84.9%-24.9pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 6.05% | 331.83%-325.8pp | 263.63%-257.6pp | 478.71%-472.7pp |
| Employer contribution / active EE | $1,560 | $5,298-70.5% | $4,830-67.7% | $4,838-67.8% |
| Participant deferral / active EE | $14,300 | $7,751+84.5% | $7,353+94.5% | $6,342+125.5% |
| Admin fee / account holder | $14,598 | $12,556+16.3% | $10,800+35.2% | $12,312+18.6% |