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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 | $423,239 | $96,361+339.2% | $80,607+425.1% | $139,456+203.5% |
| Participation rate | 37.5% | 73.6%-36.1pp | 67.0%-29.5pp | 80.3%-42.8pp |
| Annual return | 3.06% | 1350.95%-1347.9pp | 936.11%-933.1pp | 373.45%-370.4pp |
| Employer contribution / active EE | $584 | $3,262-82.1% | $2,724-78.6% | $4,753-87.7% |
| Participant deferral / active EE | $986 | $5,232-81.2% | $4,448-77.8% | $6,711-85.3% |
| Admin fee / account holder | $381 | $6,601-94.2% | $5,379-92.9% | $11,407-96.7% |