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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 | $584,309 | $99,995+484.3% | $85,063+586.9% | $145,978+300.3% |
| Participation rate | 40.0% | 74.1%-34.1pp | 67.5%-27.5pp | 80.3%-40.3pp |
| Annual return | -11.73% | 83.99%-95.7pp | 66.54%-78.3pp | 550.52%-562.2pp |
| Employer contribution / active EE | $2,070 | $3,231-35.9% | $2,727-24.1% | $4,662-55.6% |
| Participant deferral / active EE | $12,800 | $5,295+141.7% | $4,523+183.0% | $6,690+91.3% |
| Admin fee / account holder | $5,113 | $7,255-29.5% | $6,155-16.9% | $13,400-61.8% |