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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 | $632,746 | $217,432+191.0% | $185,849+240.5% | $167,536+277.7% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 1.35% | 148.42%-147.1pp | 122.10%-120.7pp | 478.82%-477.5pp |
| Employer contribution / active EE | $12,101 | $5,875+106.0% | $5,169+134.1% | $4,839+150.1% |
| Participant deferral / active EE | $2,875 | $6,357-54.8% | $5,569-48.4% | $6,342-54.7% |
| Admin fee / account holder | $6,154 | $19,818-68.9% | $16,244-62.1% | $12,315-50.0% |