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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 | $494,005 | $138,102+257.7% | $125,381+294.0% | $134,532+267.2% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -28.65% | 750.73%-779.4pp | 572.31%-601.0pp | 418.27%-446.9pp |
| Employer contribution / active EE | $5,540 | $5,245+5.6% | $4,815+15.1% | $4,741+16.9% |
| Participant deferral / active EE | $14,700 | $7,801+88.4% | $7,448+97.4% | $6,401+129.7% |
| Admin fee / account holder | $3,744 | $11,568-67.6% | $10,007-62.6% | $11,429-67.2% |