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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 | $341,005 | $92,743+267.7% | $82,744+312.1% | $134,532+153.5% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -33.56% | 946.63%-980.2pp | 702.22%-735.8pp | 418.27%-451.8pp |
| Employer contribution / active EE | $9,588 | $3,273+193.0% | $3,008+218.7% | $4,741+102.2% |
| Participant deferral / active EE | $23,750 | $4,802+394.6% | $4,395+440.4% | $6,401+271.0% |
| Admin fee / account holder | $2,598 | $5,977-56.5% | $5,325-51.2% | $11,429-77.3% |