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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 | $499,448 | $165,399+202.0% | $149,745+233.5% | $158,982+214.2% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 4.21% | 348.34%-344.1pp | 276.72%-272.5pp | 302.99%-298.8pp |
| Employer contribution / active EE | $4,107 | $5,105-19.5% | $4,646-11.6% | $4,763-13.8% |
| Participant deferral / active EE | $4,760 | $7,183-33.7% | $6,843-30.4% | $5,983-20.4% |
| Admin fee / account holder | $310 | $10,811-97.1% | $9,312-96.7% | $11,252-97.2% |