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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 | $1,649,390 | $180,749+812.5% | $160,784+925.8% | $137,256+1101.7% |
| Participation rate | 33.3% | 80.0%-46.6pp | 77.0%-43.6pp | 80.0%-46.6pp |
| Annual return | -1.35% | 2234.46%-2235.8pp | 1803.92%-1805.3pp | 220.34%-221.7pp |
| Employer contribution / active EE | $1,448 | $4,155-65.2% | $3,733-61.2% | $4,156-65.2% |
| Participant deferral / active EE | $10,333 | $6,844+51.0% | $6,293+64.2% | $6,407+61.3% |
| Admin fee / account holder | $8,569 | $10,397-17.6% | $9,717-11.8% | $12,270-30.2% |