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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 | $693,988 | $172,111+303.2% | $150,298+361.7% | $137,256+405.6% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 10.98% | 69.37%-58.4pp | 62.79%-51.8pp | 220.34%-209.4pp |
| Employer contribution / active EE | $4,407 | $4,636-4.9% | $4,154+6.1% | $4,156+6.0% |
| Participant deferral / active EE | $8,277 | $6,166+34.2% | $5,453+51.8% | $6,407+29.2% |
| Admin fee / account holder | $6,881 | $16,471-58.2% | $14,116-51.3% | $12,270-43.9% |