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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 | $311,338 | $138,102+125.4% | $125,381+148.3% | $134,532+131.4% |
| Participation rate | 63.6% | 84.5%-20.9pp | 82.4%-18.7pp | 81.2%-17.6pp |
| Annual return | -24.02% | 750.73%-774.7pp | 572.31%-596.3pp | 418.27%-442.3pp |
| Employer contribution / active EE | $3,912 | $5,245-25.4% | $4,815-18.8% | $4,741-17.5% |
| Participant deferral / active EE | $7,084 | $7,801-9.2% | $7,448-4.9% | $6,401+10.7% |
| Admin fee / account holder | $3,212 | $11,568-72.2% | $10,007-67.9% | $11,429-71.9% |