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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 | $264,262 | $138,075+91.4% | $123,552+113.9% | $135,379+95.2% |
| Participation rate | 40.0% | 84.7%-44.7pp | 82.3%-42.3pp | 82.6%-42.6pp |
| Annual return | -9.52% | 153.70%-163.2pp | 119.20%-128.7pp | 519.79%-529.3pp |
| Employer contribution / active EE | $1,220 | $5,152-76.3% | $4,628-73.6% | $4,779-74.5% |
| Participant deferral / active EE | $2,860 | $6,800-57.9% | $6,426-55.5% | $5,609-49.0% |
| Admin fee / account holder | $2,550 | $10,917-76.6% | $9,285-72.5% | $10,828-76.5% |