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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 | $361,978 | $168,635+114.7% | $147,617+145.2% | $125,389+188.7% |
| Participation rate | 28.6% | 88.8%-60.2pp | 84.6%-56.0pp | 83.2%-54.6pp |
| Annual return | -4.17% | 77.65%-81.8pp | 61.98%-66.2pp | 282.24%-286.4pp |
| Employer contribution / active EE | $4,989 | $6,252-20.2% | $5,564-10.3% | $4,866+2.5% |
| Participant deferral / active EE | $6,000 | $5,507+9.0% | $4,895+22.6% | $5,352+12.1% |
| Admin fee / account holder | $3,079 | $13,580-77.3% | $11,612-73.5% | $9,541-67.7% |