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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 | $431,412 | $167,362+157.8% | $143,799+200.0% | $134,532+220.7% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -21.62% | 0.47%-22.1pp | -0.04%-21.6pp | 418.27%-439.9pp |
| Employer contribution / active EE | $1,274 | $5,620-77.3% | $4,952-74.3% | $4,741-73.1% |
| Participant deferral / active EE | $3,466 | $6,447-46.2% | $5,638-38.5% | $6,401-45.9% |
| Admin fee / account holder | $96,923 | $18,094+435.7% | $14,677+560.4% | $11,429+748.1% |