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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 | $644,770 | $183,539+251.3% | $155,556+314.5% | $145,897+341.9% |
| Participation rate | 42.9% | 82.7%-39.9pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 7.61% | 61.31%-53.7pp | 64.84%-57.2pp | 552.29%-544.7pp |
| Employer contribution / active EE | $4,543 | $5,315-14.5% | $4,675-2.8% | $4,663-2.6% |
| Participant deferral / active EE | $7,803 | $6,467+20.7% | $5,631+38.6% | $6,689+16.6% |
| Admin fee / account holder | $5,746 | $19,275-70.2% | $15,885-63.8% | $13,390-57.1% |