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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.)
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 | $803,415 | $87,166+821.7% | $76,735+947.0% | $137,256+485.3% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.5%-19.5pp | 80.0%-30.0pp |
| Annual return | 13.51% | 26.50%-13.0pp | 29.77%-16.3pp | 220.34%-206.8pp |
| Employer contribution / active EE | $10,559 | $2,904+263.5% | $2,454+330.2% | $4,156+154.1% |
| Participant deferral / active EE | $18,485 | $4,726+291.1% | $4,088+352.2% | $6,407+188.5% |
| Admin fee / account holder | $44,033 | $8,403+424.0% | $7,189+512.5% | $12,270+258.9% |