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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 | $931,110 | $99,345+837.2% | $84,753+998.6% | $273,972+239.9% |
| Participation rate | 6.7% | 80.7%-74.0pp | 76.6%-69.9pp | 83.0%-76.3pp |
| Annual return | -5.62% | 22.93%-28.6pp | 22.78%-28.4pp | 41.46%-47.1pp |
| Employer contribution / active EE | $738 | $4,214-82.5% | $3,574-79.3% | $4,869-84.8% |
| Participant deferral / active EE | $1,632 | $4,270-61.8% | $3,712-56.0% | $5,287-69.1% |
| Admin fee / account holder | $967 | $6,645-85.4% | $5,333-81.9% | $10,133-90.5% |