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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 | $310,636 | $133,998+131.8% | $112,263+176.7% | $134,545+130.9% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -21.17% | 47.17%-68.3pp | 27.49%-48.7pp | 418.37%-439.5pp |
| Employer contribution / active EE | $4,339 | $4,040+7.4% | $3,636+19.3% | $4,742-8.5% |
| Participant deferral / active EE | $6,471 | $5,292+22.3% | $4,729+36.8% | $6,401+1.1% |
| Admin fee / account holder | $19,132 | $7,493+155.3% | $6,410+198.5% | $11,431+67.4% |