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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 | $316,555 | $110,307+187.0% | $96,576+227.8% | $139,456+127.0% |
| Participation rate | 44.4% | 78.1%-33.7pp | 76.0%-31.5pp | 80.3%-35.9pp |
| Annual return | -10.73% | 26.40%-37.1pp | 25.87%-36.6pp | 373.45%-384.2pp |
| Employer contribution / active EE | $2,279 | $3,619-37.0% | $2,965-23.1% | $4,753-52.1% |
| Participant deferral / active EE | $4,079 | $5,547-26.5% | $4,851-15.9% | $6,711-39.2% |
| Admin fee / account holder | $14,028 | $11,597+21.0% | $8,253+70.0% | $11,407+23.0% |