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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 | $642,970 | $101,618+532.7% | $93,063+590.9% | $137,256+368.4% |
| Participation rate | 42.9% | 74.9%-32.1pp | 72.1%-29.3pp | 80.0%-37.1pp |
| Annual return | 7.30% | 223.95%-216.6pp | 34.15%-26.9pp | 220.34%-213.0pp |
| Employer contribution / active EE | $1,746 | $2,707-35.5% | $2,476-29.5% | $4,156-58.0% |
| Participant deferral / active EE | $5,834 | $4,279+36.3% | $3,958+47.4% | $6,407-8.9% |
| Admin fee / account holder | $20,792 | $6,198+235.4% | $6,033+244.6% | $12,270+69.5% |