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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 | $280,311 | $160,070+75.1% | $147,117+90.5% | $145,897+92.1% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | -0.42% | 98.69%-99.1pp | 420.54%-421.0pp | 552.29%-552.7pp |
| Employer contribution / active EE | $3,831 | $5,285-27.5% | $4,932-22.3% | $4,663-17.8% |
| Participant deferral / active EE | $11,167 | $8,419+32.6% | $8,065+38.5% | $6,689+66.9% |
| Admin fee / account holder | $154,589 | $15,035+928.2% | $12,993+1089.8% | $13,390+1054.5% |