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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 | $84,953+1197.9% | $163,379+574.9% | $82,637+1234.3% |
| Participation rate | 5.9% | 65.9%-60.1pp | 76.8%-70.9pp | 68.1%-62.2pp |
| Annual return | 10.52% | 23.07%-12.6pp | 63.41%-52.9pp | 53.51%-43.0pp |
| Employer contribution / active EE | $1,480 | $2,183-32.2% | $3,752-60.6% | $2,552-42.0% |
| Participant deferral / active EE | $3,324 | $4,326-23.2% | $6,282-47.1% | $4,126-19.4% |
| Admin fee / account holder | $38,611 | $7,921+387.4% | $9,818+293.3% | $7,339+426.1% |