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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 | $159,934+75.3% | $147,005+90.7% | $145,959+92.0% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | -0.42% | 98.24%-98.7pp | 418.76%-419.2pp | 561.95%-562.4pp |
| Employer contribution / active EE | $3,831 | $5,287-27.5% | $4,934-22.4% | $4,661-17.8% |
| Participant deferral / active EE | $11,167 | $8,427+32.5% | $8,070+38.4% | $6,689+67.0% |
| Admin fee / account holder | $154,589 | $15,053+926.9% | $13,006+1088.6% | $13,398+1053.8% |