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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 | $637,189 | $154,209+313.2% | $130,062+389.9% | $139,487+356.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 4.36% | 32.52%-28.2pp | -137.37%+141.7pp | 373.84%-369.5pp |
| Employer contribution / active EE | $1,198 | $5,292-77.4% | $4,322-72.3% | $4,755-74.8% |
| Participant deferral / active EE | $15,658 | $6,709+133.4% | $5,821+169.0% | $6,713+133.3% |
| Admin fee / account holder | $10,789 | $13,988-22.9% | $10,601+1.8% | $11,407-5.4% |