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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 | $842,486 | $156,398+438.7% | $147,318+471.9% | $138,895+506.6% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | 9.26% | 78.75%-69.5pp | 70.43%-61.2pp | 145.39%-136.1pp |
| Employer contribution / active EE | $5,359 | $4,853+10.4% | $4,593+16.7% | $4,194+27.8% |
| Participant deferral / active EE | $13,000 | $8,237+57.8% | $7,906+64.4% | $6,396+103.2% |
| Admin fee / account holder | $4,080 | $14,976-72.8% | $13,708-70.2% | $12,562-67.5% |