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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 | $940,951 | $72,071+1205.6% | $68,368+1276.3% | $137,256+585.5% |
| Participation rate | 22.2% | 76.2%-54.0pp | 73.8%-51.5pp | 80.0%-57.7pp |
| Annual return | 10.88% | 353.14%-342.3pp | 292.57%-281.7pp | 220.34%-209.5pp |
| Employer contribution / active EE | $588 | $2,788-78.9% | $2,649-77.8% | $4,156-85.8% |
| Participant deferral / active EE | $6,667 | $4,410+51.2% | $4,123+61.7% | $6,407+4.1% |
| Admin fee / account holder | $15,654 | $5,336+193.4% | $5,150+204.0% | $12,270+27.6% |