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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 | $489,670 | $183,539+166.8% | $155,556+214.8% | $145,897+235.6% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 4.55% | 61.31%-56.8pp | 64.84%-60.3pp | 552.29%-547.7pp |
| Employer contribution / active EE | $1,591 | $5,315-70.1% | $4,675-66.0% | $4,663-65.9% |
| Participant deferral / active EE | $13,058 | $6,467+101.9% | $5,631+131.9% | $6,689+95.2% |
| Admin fee / account holder | $4,335 | $19,275-77.5% | $15,885-72.7% | $13,390-67.6% |