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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 | $115,225+553.5% | $100,712+647.7% | $138,895+442.2% |
| Participation rate | 25.0% | 74.3%-49.3pp | 69.3%-44.3pp | 79.9%-54.9pp |
| Annual return | 5.03% | 40.35%-35.3pp | 33.27%-28.2pp | 145.39%-140.4pp |
| Employer contribution / active EE | $588 | $2,771-78.8% | $2,313-74.6% | $4,194-86.0% |
| Participant deferral / active EE | $7,750 | $4,699+64.9% | $4,085+89.7% | $6,396+21.2% |
| Admin fee / account holder | $43,070 | $10,844+297.2% | $9,256+365.3% | $12,562+242.9% |