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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 | $557,278 | $183,627+203.5% | $155,602+258.1% | $145,978+281.8% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.6pp | 80.3%-24.7pp |
| Annual return | 7.82% | 61.32%-53.5pp | 64.81%-57.0pp | 550.52%-542.7pp |
| Employer contribution / active EE | $1,232 | $5,316-76.8% | $4,675-73.7% | $4,662-73.6% |
| Participant deferral / active EE | $4,447 | $6,466-31.2% | $5,629-21.0% | $6,690-33.5% |
| Admin fee / account holder | $44,331 | $19,327+129.4% | $15,923+178.4% | $13,400+230.8% |