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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 | $1,044,821 | $160,070+552.7% | $147,117+610.2% | $145,897+616.1% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 8.26% | 98.69%-90.4pp | 420.54%-412.3pp | 552.29%-544.0pp |
| Employer contribution / active EE | $16,082 | $5,285+204.3% | $4,932+226.0% | $4,663+244.9% |
| Participant deferral / active EE | $10,915 | $8,419+29.6% | $8,065+35.3% | $6,689+63.2% |
| Admin fee / account holder | $4,576 | $15,035-69.6% | $12,993-64.8% | $13,390-65.8% |