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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 | $420,722 | $112,729+273.2% | $98,716+326.2% | $137,256+206.5% |
| Participation rate | 41.7% | 74.2%-32.6pp | 69.3%-27.6pp | 80.0%-38.3pp |
| Annual return | 3.71% | 38.48%-34.8pp | 31.81%-28.1pp | 220.34%-216.6pp |
| Employer contribution / active EE | $1,903 | $2,725-30.2% | $2,279-16.5% | $4,156-54.2% |
| Participant deferral / active EE | $2,468 | $4,640-46.8% | $4,048-39.0% | $6,407-61.5% |
| Admin fee / account holder | $1,169 | $10,129-88.5% | $8,703-86.6% | $12,270-90.5% |