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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 | $373,532 | $167,362+123.2% | $143,799+159.8% | $134,532+177.7% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -23.46% | 0.47%-23.9pp | -0.04%-23.4pp | 418.27%-441.7pp |
| Employer contribution / active EE | $1,588 | $5,620-71.7% | $4,952-67.9% | $4,741-66.5% |
| Participant deferral / active EE | $9,113 | $6,447+41.3% | $5,638+61.6% | $6,401+42.4% |
| Admin fee / account holder | $950 | $18,094-94.7% | $14,677-93.5% | $11,429-91.7% |