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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 | $1,312,214 | $147,556+789.3% | $129,031+917.0% | $198,609+560.7% |
| Participation rate | 12.5% | 77.2%-64.7pp | 73.4%-60.9pp | 82.4%-69.9pp |
| Annual return | -5.40% | 37.41%-42.8pp | 34.67%-40.1pp | 202.70%-208.1pp |
| Employer contribution / active EE | $1,250 | $3,645-65.7% | $3,226-61.3% | $5,055-75.3% |
| Participant deferral / active EE | $0 | $5,760-100.0% | $5,217-100.0% | $6,977-100.0% |
| Admin fee / account holder | $2,971 | $15,467-80.8% | $13,208-77.5% | $19,030-84.4% |