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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 | $265,671 | $198,462+33.9% | $170,439+55.9% | $147,585+80.0% |
| Participation rate | 10.5% | 88.0%-77.4pp | 83.6%-73.1pp | 82.8%-72.3pp |
| Annual return | -52.63% | 257.30%-309.9pp | 205.94%-258.6pp | 578.58%-631.2pp |
| Employer contribution / active EE | $0 | $6,184-100.0% | $5,433-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $0 | $5,629-100.0% | $4,939-100.0% | $5,439-100.0% |
| Admin fee / account holder | $730 | $16,852-95.7% | $13,881-94.7% | $10,886-93.3% |