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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 | $590,797 | $185,312+218.8% | $161,489+265.8% | $154,746+281.8% |
| Participation rate | 25.0% | 82.5%-57.5pp | 78.7%-53.7pp | 80.7%-55.7pp |
| Annual return | 1.20% | 103.84%-102.6pp | 89.72%-88.5pp | 172.34%-171.1pp |
| Employer contribution / active EE | $4,725 | $4,769-0.9% | $4,268+10.7% | $4,379+7.9% |
| Participant deferral / active EE | $3,438 | $6,350-45.9% | $5,630-38.9% | $6,730-48.9% |
| Admin fee / account holder | $2,833 | $18,654-84.8% | $16,006-82.3% | $14,365-80.3% |