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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 | $1,102,590 | $109,782+904.3% | $260,467+323.3% | $94,015+1072.8% |
| Participation rate | 5.9% | 67.2%-61.3pp | 80.5%-74.6pp | 70.8%-64.9pp |
| Annual return | 10.52% | 18.60%-8.1pp | 100.60%-90.1pp | 17.84%-7.3pp |
| Employer contribution / active EE | $1,480 | $2,147-31.1% | $4,239-65.1% | $2,790-47.0% |
| Participant deferral / active EE | $3,324 | $4,044-17.8% | $6,319-47.4% | $4,249-21.8% |
| Admin fee / account holder | $38,611 | $11,958+222.9% | $15,461+149.7% | $8,951+331.3% |