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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 | $608,744 | $102,638+493.1% | $81,982+642.5% | $158,982+282.9% |
| Participation rate | 23.1% | 75.5%-52.5pp | 69.3%-46.2pp | 82.0%-58.9pp |
| Annual return | 5.53% | 61.05%-55.5pp | 41.31%-35.8pp | 302.99%-297.5pp |
| Employer contribution / active EE | $3,691 | $3,241+13.9% | $2,498+47.7% | $4,763-22.5% |
| Participant deferral / active EE | $4,592 | $4,649-1.2% | $3,722+23.4% | $5,983-23.3% |
| Admin fee / account holder | $14,808 | $8,237+79.8% | $5,665+161.4% | $11,252+31.6% |