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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 | $378,079 | $167,353+125.9% | $143,797+162.9% | $134,545+181.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -21.44% | 0.48%-21.9pp | -0.04%-21.4pp | 418.37%-439.8pp |
| Employer contribution / active EE | $6,538 | $5,620+16.3% | $4,952+32.0% | $4,742+37.9% |
| Participant deferral / active EE | $8,542 | $6,447+32.5% | $5,638+51.5% | $6,401+33.4% |
| Admin fee / account holder | $1,039 | $18,096-94.3% | $14,679-92.9% | $11,431-90.9% |