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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 | $630,539 | $84,464+646.5% | $61,399+927.0% | $134,509+368.8% |
| Participation rate | 22.2% | 62.2%-40.0pp | 52.6%-30.3pp | 81.2%-59.0pp |
| Annual return | -24.49% | 585.06%-609.6pp | 338.81%-363.3pp | 418.13%-442.6pp |
| Employer contribution / active EE | $1,592 | $1,545+3.1% | $1,159+37.3% | $4,741-66.4% |
| Participant deferral / active EE | $7,521 | $2,818+166.9% | $2,124+254.0% | $6,400+17.5% |
| Admin fee / account holder | $5,609 | $2,587+116.8% | $2,131+163.2% | $11,427-50.9% |