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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 | $591,310 | $165,381+257.5% | $149,730+294.9% | $158,966+272.0% |
| Participation rate | 33.3% | 84.6%-51.2pp | 82.5%-49.1pp | 82.0%-48.6pp |
| Annual return | 0.91% | 348.29%-347.4pp | 276.70%-275.8pp | 302.95%-302.0pp |
| Employer contribution / active EE | $1,885 | $5,104-63.1% | $4,645-59.4% | $4,762-60.4% |
| Participant deferral / active EE | $3,770 | $7,182-47.5% | $6,843-44.9% | $5,983-37.0% |
| Admin fee / account holder | $1,344 | $10,809-87.6% | $9,310-85.6% | $11,250-88.1% |