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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 | $583,344 | $97,125+500.6% | $86,233+576.5% | $137,256+325.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.0%-19.0pp | 80.0%-30.0pp |
| Annual return | 9.00% | 74.19%-65.2pp | 61.39%-52.4pp | 220.34%-211.3pp |
| Employer contribution / active EE | $3,520 | $2,841+23.9% | $2,504+40.6% | $4,156-15.3% |
| Participant deferral / active EE | $4,400 | $5,180-15.1% | $4,559-3.5% | $6,407-31.3% |
| Admin fee / account holder | $131,032 | $9,725+1247.4% | $8,342+1470.7% | $12,270+967.9% |