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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 | $495,210 | $110,410+348.5% | $102,437+383.4% | $145,897+239.4% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 7.88% | 24.85%-17.0pp | 24.95%-17.1pp | 552.29%-544.4pp |
| Employer contribution / active EE | $2,430 | $4,217-42.4% | $3,871-37.2% | $4,663-47.9% |
| Participant deferral / active EE | $7,408 | $5,622+31.8% | $5,060+46.4% | $6,689+10.7% |
| Admin fee / account holder | $20,022 | $9,745+105.5% | $8,388+138.7% | $13,390+49.5% |