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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 | $328,465 | $124,425+164.0% | $112,040+193.2% | $137,256+139.3% |
| Participation rate | 42.9% | 79.3%-36.5pp | 76.5%-33.6pp | 80.0%-37.1pp |
| Annual return | 2.49% | 24.72%-22.2pp | 24.52%-22.0pp | 220.34%-217.9pp |
| Employer contribution / active EE | $1,154 | $3,411-66.2% | $2,954-60.9% | $4,156-72.2% |
| Participant deferral / active EE | $5,679 | $5,718-0.7% | $5,098+11.4% | $6,407-11.4% |
| Admin fee / account holder | $436 | $15,207-97.1% | $12,098-96.4% | $12,270-96.4% |