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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 | $318,492 | $118,488+168.8% | $98,462+223.5% | $139,487+128.3% |
| Participation rate | 66.7% | 77.5%-10.8pp | 75.2%-8.5pp | 80.3%-13.7pp |
| Annual return | -7.96% | 18.96%-26.9pp | 21.17%-29.1pp | 373.84%-381.8pp |
| Employer contribution / active EE | $4,850 | $3,611+34.3% | $3,049+59.1% | $4,755+2.0% |
| Participant deferral / active EE | $17,438 | $5,393+223.3% | $4,738+268.0% | $6,713+159.8% |
| Admin fee / account holder | $809 | $13,868-94.2% | $8,875-90.9% | $11,407-92.9% |