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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 | $384,425 | $114,013+237.2% | $103,693+270.7% | $155,188+147.7% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 80.8%-30.8pp |
| Annual return | -27.90% | 49.31%-77.2pp | 47.61%-75.5pp | 148.84%-176.7pp |
| Employer contribution / active EE | $13,265 | $3,131+323.6% | $2,920+354.2% | $4,248+212.3% |
| Participant deferral / active EE | $29,057 | $4,970+484.7% | $4,579+534.5% | $6,531+344.9% |
| Admin fee / account holder | $635 | $8,407-92.4% | $7,858-91.9% | $14,480-95.6% |