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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 | $329,485 | $106,557+209.2% | $91,227+261.2% | $134,545+144.9% |
| Participation rate | 50.0% | 76.8%-26.8pp | 73.2%-23.2pp | 81.2%-31.2pp |
| Annual return | -21.39% | 160.81%-182.2pp | 114.14%-135.5pp | 418.37%-439.8pp |
| Employer contribution / active EE | $2,245 | $3,332-32.6% | $2,851-21.3% | $4,742-52.7% |
| Participant deferral / active EE | $2,582 | $4,719-45.3% | $4,234-39.0% | $6,401-59.7% |
| Admin fee / account holder | $2,074 | $6,235-66.7% | $5,423-61.7% | $11,431-81.9% |