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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 | $422,961 | $100,938+319.0% | $90,461+367.6% | $158,982+166.0% |
| Participation rate | 42.9% | 75.0%-32.2pp | 72.7%-29.8pp | 82.0%-39.1pp |
| Annual return | 4.56% | 1727.20%-1722.6pp | 1294.76%-1290.2pp | 302.99%-298.4pp |
| Employer contribution / active EE | $3,008 | $3,691-18.5% | $3,264-7.8% | $4,763-36.8% |
| Participant deferral / active EE | $6,216 | $4,350+42.9% | $3,964+56.8% | $5,983+3.9% |
| Admin fee / account holder | $4,727 | $6,510-27.4% | $5,617-15.8% | $11,252-58.0% |