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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 | $450,647 | $183,592+145.5% | $155,574+189.7% | $145,877+208.9% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 8.13% | 61.37%-53.2pp | 64.87%-56.7pp | 551.28%-543.2pp |
| Employer contribution / active EE | $2,579 | $5,317-51.5% | $4,676-44.8% | $4,663-44.7% |
| Participant deferral / active EE | $7,689 | $6,466+18.9% | $5,629+36.6% | $6,691+14.9% |
| Admin fee / account holder | $2,708 | $19,316-86.0% | $15,914-83.0% | $13,402-79.8% |