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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 | $490,261 | $174,379+181.1% | $152,093+222.3% | $138,895+253.0% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 9.33% | 74.86%-65.5pp | 66.36%-57.0pp | 145.39%-136.1pp |
| Employer contribution / active EE | $1,733 | $4,652-62.8% | $4,175-58.5% | $4,194-58.7% |
| Participant deferral / active EE | $16,154 | $6,159+162.3% | $5,451+196.3% | $6,396+152.6% |
| Admin fee / account holder | $1,568 | $16,880-90.7% | $14,497-89.2% | $12,562-87.5% |