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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 | $609,768 | $117,859+417.4% | $102,438+495.3% | $145,959+317.8% |
| Participation rate | 37.5% | 78.6%-41.1pp | 76.5%-39.0pp | 80.3%-42.8pp |
| Annual return | -1.29% | 31.72%-33.0pp | 29.37%-30.7pp | 561.95%-563.2pp |
| Employer contribution / active EE | $6,999 | $3,615+93.6% | $3,024+131.5% | $4,661+50.2% |
| Participant deferral / active EE | $3,409 | $5,732-40.5% | $5,054-32.5% | $6,689-49.0% |
| Admin fee / account holder | $5,674 | $13,318-57.4% | $9,448-39.9% | $13,398-57.6% |