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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 | $348,698 | $168,635+106.8% | $147,617+136.2% | $125,389+178.1% |
| Participation rate | 55.6% | 88.8%-33.2pp | 84.6%-29.1pp | 83.2%-27.6pp |
| Annual return | -3.81% | 77.65%-81.5pp | 61.98%-65.8pp | 282.24%-286.0pp |
| Employer contribution / active EE | $1,802 | $6,252-71.2% | $5,564-67.6% | $4,866-63.0% |
| Participant deferral / active EE | $7,070 | $5,507+28.4% | $4,895+44.4% | $5,352+32.1% |
| Admin fee / account holder | $84,812 | $13,580+524.5% | $11,612+630.4% | $9,541+788.9% |