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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 | $1,017,411 | $142,392+614.5% | $119,622+750.5% | $134,532+656.3% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -24.55% | -12.46%-12.1pp | -14.98%-9.6pp | 418.27%-442.8pp |
| Employer contribution / active EE | $2,568 | $5,224-50.8% | $4,232-39.3% | $4,741-45.8% |
| Participant deferral / active EE | $6,688 | $6,467+3.4% | $5,601+19.4% | $6,401+4.5% |
| Admin fee / account holder | $43,000 | $13,593+216.3% | $10,328+316.3% | $11,429+276.3% |