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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 | $546,554 | $129,737+321.3% | $119,126+358.8% | $154,746+253.2% |
| Participation rate | 28.6% | 78.9%-50.3pp | 75.8%-47.2pp | 80.7%-52.1pp |
| Annual return | 5.79% | 379.08%-373.3pp | 282.11%-276.3pp | 172.34%-166.6pp |
| Employer contribution / active EE | $2,983 | $4,375-31.8% | $4,034-26.0% | $4,379-31.9% |
| Participant deferral / active EE | $6,743 | $5,842+15.4% | $5,318+26.8% | $6,730+0.2% |
| Admin fee / account holder | $2,477 | $11,961-79.3% | $10,693-76.8% | $14,365-82.8% |