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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 | $543,581 | $110,337+392.7% | $102,383+430.9% | $145,877+272.6% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 6.89% | 24.83%-17.9pp | 24.94%-18.0pp | 551.28%-544.4pp |
| Employer contribution / active EE | $2,839 | $4,216-32.7% | $3,870-26.7% | $4,663-39.1% |
| Participant deferral / active EE | $11,640 | $5,621+107.1% | $5,060+130.0% | $6,691+74.0% |
| Admin fee / account holder | $7,025 | $9,750-27.9% | $8,391-16.3% | $13,402-47.6% |