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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 | $542,951 | $176,120+208.3% | $159,487+240.4% | $167,553+224.0% |
| Participation rate | 25.0% | 85.0%-60.0pp | 82.8%-57.8pp | 82.1%-57.1pp |
| Annual return | 9.18% | 331.95%-322.8pp | 263.71%-254.5pp | 478.89%-469.7pp |
| Employer contribution / active EE | $1,607 | $5,299-69.7% | $4,831-66.7% | $4,840-66.8% |
| Participant deferral / active EE | $6,250 | $7,752-19.4% | $7,354-15.0% | $6,343-1.5% |
| Admin fee / account holder | $84,553 | $12,561+573.1% | $10,804+682.6% | $12,316+586.5% |