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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 | $753,024 | $123,155+511.4% | $108,753+592.4% | $155,188+385.2% |
| Participation rate | 25.0% | 75.6%-50.6pp | 71.1%-46.1pp | 80.8%-55.8pp |
| Annual return | 5.03% | 44.73%-39.7pp | 37.47%-32.4pp | 148.84%-143.8pp |
| Employer contribution / active EE | $588 | $2,811-79.1% | $2,427-75.8% | $4,248-86.2% |
| Participant deferral / active EE | $7,750 | $4,623+67.6% | $4,115+88.3% | $6,531+18.7% |
| Admin fee / account holder | $43,070 | $12,126+255.2% | $10,320+317.4% | $14,480+197.4% |