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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 | $555,290 | $183,516+202.6% | $155,534+257.0% | $145,884+280.6% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.03% | 61.43%-55.4pp | 64.92%-58.9pp | 551.85%-545.8pp |
| Employer contribution / active EE | $12,798 | $5,315+140.8% | $4,675+173.8% | $4,662+174.5% |
| Participant deferral / active EE | $11,090 | $6,467+71.5% | $5,630+97.0% | $6,690+65.8% |
| Admin fee / account holder | $2,795 | $19,293-85.5% | $15,900-82.4% | $13,392-79.1% |