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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 | $256,068 | $160,070+60.0% | $147,117+74.1% | $145,897+75.5% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.9pp | 80.3%-47.0pp |
| Annual return | -43.70% | 98.69%-142.4pp | 420.54%-464.2pp | 552.29%-596.0pp |
| Employer contribution / active EE | $1,854 | $5,285-64.9% | $4,932-62.4% | $4,663-60.2% |
| Participant deferral / active EE | $7,818 | $8,419-7.1% | $8,065-3.1% | $6,689+16.9% |
| Admin fee / account holder | $5,735 | $15,035-61.9% | $12,993-55.9% | $13,390-57.2% |