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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 | $662,710 | $208,088+218.5% | $186,193+255.9% | $154,746+328.3% |
| Participation rate | 40.0% | 80.0%-40.0pp | 77.1%-37.1pp | 80.7%-40.7pp |
| Annual return | 4.96% | 89.97%-85.0pp | 78.03%-73.1pp | 172.34%-167.4pp |
| Employer contribution / active EE | $4,494 | $4,340+3.5% | $3,918+14.7% | $4,379+2.6% |
| Participant deferral / active EE | $12,400 | $7,078+75.2% | $6,513+90.4% | $6,730+84.2% |
| Admin fee / account holder | $24,817 | $11,698+112.1% | $11,058+124.4% | $14,365+72.8% |