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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 | $1,284,180 | $181,062+609.3% | $158,223+711.6% | $155,188+727.5% |
| Participation rate | 40.0% | 82.7%-42.7pp | 79.2%-39.2pp | 80.8%-40.8pp |
| Annual return | 5.39% | 57.39%-52.0pp | 52.09%-46.7pp | 148.84%-143.4pp |
| Employer contribution / active EE | $4,067 | $4,565-10.9% | $4,109-1.0% | $4,248-4.3% |
| Participant deferral / active EE | $10,900 | $6,134+77.7% | $5,467+99.4% | $6,531+66.9% |
| Admin fee / account holder | $45,654 | $18,825+142.5% | $16,047+184.5% | $14,480+215.3% |