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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 | $573,904 | $125,237+358.3% | $105,608+443.4% | $145,877+293.4% |
| Participation rate | 60.0% | 77.7%-17.7pp | 75.3%-15.3pp | 80.3%-20.3pp |
| Annual return | 7.34% | 225.76%-218.4pp | 116.50%-109.2pp | 551.28%-543.9pp |
| Employer contribution / active EE | $5,466 | $3,720+46.9% | $3,167+72.6% | $4,663+17.2% |
| Participant deferral / active EE | $13,607 | $5,711+138.3% | $5,010+171.6% | $6,691+103.4% |
| Admin fee / account holder | $1,422 | $17,287-91.8% | $11,028-87.1% | $13,402-89.4% |