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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 | $124,980+236.6% | $108,359+288.3% | $154,746+171.9% |
| Participation rate | 41.7% | 75.2%-33.5pp | 70.1%-28.5pp | 80.7%-39.0pp |
| Annual return | 3.71% | 45.00%-41.3pp | 36.89%-33.2pp | 172.34%-168.6pp |
| Employer contribution / active EE | $1,903 | $2,851-33.3% | $2,399-20.7% | $4,379-56.6% |
| Participant deferral / active EE | $2,468 | $4,743-48.0% | $4,137-40.4% | $6,730-63.3% |
| Admin fee / account holder | $1,169 | $11,502-89.8% | $9,741-88.0% | $14,365-91.9% |