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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 | $573,470 | $68,097+742.1% | $62,929+811.3% | $137,256+317.8% |
| Participation rate | 19.0% | 77.4%-58.4pp | 73.1%-54.1pp | 80.0%-60.9pp |
| Annual return | 10.98% | 1859.11%-1848.1pp | 1063.93%-1052.9pp | 220.34%-209.4pp |
| Employer contribution / active EE | $458 | $2,811-83.7% | $2,505-81.7% | $4,156-89.0% |
| Participant deferral / active EE | $3,070 | $4,553-32.6% | $3,888-21.1% | $6,407-52.1% |
| Admin fee / account holder | $15,037 | $6,521+130.6% | $5,065+196.9% | $12,270+22.5% |