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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 | $1,271,735 | $148,629+755.6% | $135,982+835.2% | $139,487+811.7% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 11.95% | 79.33%-67.4pp | 68.32%-56.4pp | 373.84%-361.9pp |
| Employer contribution / active EE | $2,898 | $5,247-44.8% | $4,859-40.4% | $4,755-39.1% |
| Participant deferral / active EE | $10,257 | $8,102+26.6% | $7,760+32.2% | $6,713+52.8% |
| Admin fee / account holder | $48,191 | $12,406+288.4% | $10,767+347.6% | $11,407+322.5% |