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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 | $475,169 | $72,404+556.3% | $110,243+331.0% | $64,173+640.5% |
| Participation rate | 63.0% | 73.3%-10.4pp | 79.8%-16.9pp | 69.6%-6.6pp |
| Annual return | -39.10% | -6.29%-32.8pp | 314.76%-353.9pp | 7.63%-46.7pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,247 | $3,469+22.4% | $4,672-9.1% | $3,470+22.4% |
| Admin fee / account holder | $1,298 | $5,664-77.1% | $8,548-84.8% | $4,887-73.4% |