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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 | $363,550 | $190,879+90.5% | $160,009+127.2% | $134,532+170.2% |
| Participation rate | 25.0% | 82.0%-57.0pp | 78.0%-53.0pp | 81.2%-56.2pp |
| Annual return | -23.73% | 552.63%-576.4pp | 408.85%-432.6pp | 418.27%-442.0pp |
| Employer contribution / active EE | $1,406 | $4,995-71.8% | $4,225-66.7% | $4,741-70.3% |
| Participant deferral / active EE | $5,500 | $6,924-20.6% | $6,183-11.0% | $6,401-14.1% |
| Admin fee / account holder | $1,368 | $10,495-87.0% | $8,715-84.3% | $11,429-88.0% |