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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 | $174,379+636.4% | $152,093+744.3% | $138,895+824.6% |
| Participation rate | 40.0% | 81.6%-41.6pp | 77.8%-37.8pp | 79.9%-39.9pp |
| Annual return | 5.39% | 74.86%-69.5pp | 66.36%-61.0pp | 145.39%-140.0pp |
| Employer contribution / active EE | $4,067 | $4,652-12.6% | $4,175-2.6% | $4,194-3.0% |
| Participant deferral / active EE | $10,900 | $6,159+77.0% | $5,451+99.9% | $6,396+70.4% |
| Admin fee / account holder | $45,654 | $16,880+170.5% | $14,497+214.9% | $12,562+263.4% |