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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 | $160,028+60.0% | $147,080+74.1% | $145,884+75.5% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | -43.70% | 98.60%-142.3pp | 420.17%-463.9pp | 551.85%-595.5pp |
| Employer contribution / active EE | $1,854 | $5,286-64.9% | $4,933-62.4% | $4,662-60.2% |
| Participant deferral / active EE | $7,818 | $8,422-7.2% | $8,066-3.1% | $6,690+16.9% |
| Admin fee / account holder | $5,735 | $15,030-61.8% | $12,989-55.9% | $13,392-57.2% |