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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 | $508,729 | $106,005+379.9% | $92,239+451.5% | $147,585+244.7% |
| Participation rate | 25.0% | 80.4%-55.4pp | 76.5%-51.5pp | 82.8%-57.8pp |
| Annual return | 8.14% | 50.05%-41.9pp | 176.29%-168.1pp | 578.58%-570.4pp |
| Employer contribution / active EE | $1,109 | $4,333-74.4% | $3,680-69.9% | $4,876-77.3% |
| Participant deferral / active EE | $6,385 | $4,478+42.6% | $3,897+63.9% | $5,439+17.4% |
| Admin fee / account holder | $3,441 | $6,333-45.7% | $5,194-33.8% | $10,886-68.4% |