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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 | $327,352 | $217,432+50.6% | $185,849+76.1% | $167,536+95.4% |
| Participation rate | 57.1% | 86.1%-28.9pp | 81.7%-24.6pp | 82.1%-25.0pp |
| Annual return | -1.43% | 148.42%-149.8pp | 122.10%-123.5pp | 478.82%-480.2pp |
| Employer contribution / active EE | $21,349 | $5,875+263.4% | $5,169+313.1% | $4,839+341.2% |
| Participant deferral / active EE | $11,009 | $6,357+73.2% | $5,569+97.7% | $6,342+73.6% |
| Admin fee / account holder | $4,266 | $19,818-78.5% | $16,244-73.7% | $12,315-65.4% |