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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 | $172,111+646.1% | $150,298+754.4% | $137,256+835.6% |
| Participation rate | 40.0% | 81.7%-41.7pp | 77.8%-37.8pp | 80.0%-40.0pp |
| Annual return | 5.39% | 69.37%-64.0pp | 62.79%-57.4pp | 220.34%-214.9pp |
| Employer contribution / active EE | $4,067 | $4,636-12.3% | $4,154-2.1% | $4,156-2.1% |
| Participant deferral / active EE | $10,900 | $6,166+76.8% | $5,453+99.9% | $6,407+70.1% |
| Admin fee / account holder | $45,654 | $16,471+177.2% | $14,116+223.4% | $12,270+272.1% |