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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 | $312,809 | $167,362+86.9% | $143,799+117.5% | $134,532+132.5% |
| Participation rate | 37.5% | 84.8%-47.3pp | 80.3%-42.8pp | 81.2%-43.7pp |
| Annual return | -21.30% | 0.47%-21.8pp | -0.04%-21.3pp | 418.27%-439.6pp |
| Employer contribution / active EE | $1,434 | $5,620-74.5% | $4,952-71.0% | $4,741-69.8% |
| Participant deferral / active EE | $7,930 | $6,447+23.0% | $5,638+40.6% | $6,401+23.9% |
| Admin fee / account holder | $830 | $18,094-95.4% | $14,677-94.3% | $11,429-92.7% |