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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 | $324,701 | $95,915+238.5% | $79,580+308.0% | $134,532+141.4% |
| Participation rate | 47.4% | 75.0%-27.7pp | 69.5%-22.1pp | 81.2%-33.9pp |
| Annual return | -23.24% | -2.71%-20.5pp | 0.15%-23.4pp | 418.27%-441.5pp |
| Employer contribution / active EE | $1,695 | $3,129-45.8% | $2,413-29.8% | $4,741-64.3% |
| Participant deferral / active EE | $5,204 | $4,693+10.9% | $3,985+30.6% | $6,401-18.7% |
| Admin fee / account holder | $6,807 | $9,132-25.5% | $6,835-0.4% | $11,429-40.4% |