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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 | $475,244 | $71,878+561.2% | $86,698+448.2% | $68,486+593.9% |
| Participation rate | 19.2% | 72.2%-53.0pp | 76.6%-57.4pp | 67.9%-48.7pp |
| Annual return | -51.82% | 3.53%-55.4pp | 35.95%-87.8pp | -7.85%-44.0pp |
| Employer contribution / active EE | $765 | $2,173-64.8% | $2,837-73.0% | $2,597-70.6% |
| Participant deferral / active EE | $2,313 | $3,779-38.8% | $4,656-50.3% | $4,028-42.6% |
| Admin fee / account holder | $10,474 | $6,113+71.3% | $7,493+39.8% | $5,404+93.8% |