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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 | $642,867 | $183,516+250.3% | $155,534+313.3% | $145,884+340.7% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 8.71% | 61.43%-52.7pp | 64.92%-56.2pp | 551.85%-543.1pp |
| Employer contribution / active EE | $1,164 | $5,315-78.1% | $4,675-75.1% | $4,662-75.0% |
| Participant deferral / active EE | $5,204 | $6,467-19.5% | $5,630-7.6% | $6,690-22.2% |
| Admin fee / account holder | $3,088 | $19,293-84.0% | $15,900-80.6% | $13,392-76.9% |