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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 | $343,725 | $138,102+148.9% | $125,381+174.1% | $134,532+155.5% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -22.56% | 750.73%-773.3pp | 572.31%-594.9pp | 418.27%-440.8pp |
| Employer contribution / active EE | $9,251 | $5,245+76.4% | $4,815+92.1% | $4,741+95.1% |
| Participant deferral / active EE | $18,102 | $7,801+132.1% | $7,448+143.1% | $6,401+182.8% |
| Admin fee / account holder | $10,695 | $11,568-7.5% | $10,007+6.9% | $11,429-6.4% |