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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 | $614,092 | $165,381+271.3% | $149,730+310.1% | $158,966+286.3% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 0.56% | 348.29%-347.7pp | 276.70%-276.1pp | 302.95%-302.4pp |
| Employer contribution / active EE | $2,592 | $5,104-49.2% | $4,645-44.2% | $4,762-45.6% |
| Participant deferral / active EE | $16,788 | $7,182+133.7% | $6,843+145.3% | $5,983+180.6% |
| Admin fee / account holder | $12,467 | $10,809+15.3% | $9,310+33.9% | $11,250+10.8% |