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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 | $505,471 | $93,346+441.5% | $71,796+604.0% | $273,972+84.5% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.1%-19.1pp | 83.0%-33.0pp |
| Annual return | -1.17% | 130.39%-131.6pp | 78.04%-79.2pp | 41.46%-42.6pp |
| Employer contribution / active EE | $10,279 | $2,733+276.1% | $1,924+434.1% | $4,869+111.1% |
| Participant deferral / active EE | $12,000 | $3,475+245.3% | $2,794+329.4% | $5,287+127.0% |
| Admin fee / account holder | $1,683 | $6,571-74.4% | $4,815-65.0% | $10,133-83.4% |