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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 | $836,850 | $69,248+1108.5% | $64,101+1205.5% | $139,466+500.0% |
| Participation rate | 20.0% | 75.6%-55.6pp | 72.3%-52.3pp | 80.3%-60.3pp |
| Annual return | -19.02% | 45.95%-65.0pp | 33.72%-52.7pp | 373.66%-392.7pp |
| Employer contribution / active EE | $505 | $3,185-84.1% | $2,749-81.6% | $4,754-89.4% |
| Participant deferral / active EE | $1,504 | $4,682-67.9% | $3,881-61.3% | $6,712-77.6% |
| Admin fee / account holder | $8,210 | $4,247+93.3% | $3,070+167.4% | $11,409-28.0% |