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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 | $322,701 | $147,556+118.7% | $129,031+150.1% | $198,609+62.5% |
| Participation rate | 37.5% | 77.2%-39.7pp | 73.4%-35.9pp | 82.4%-44.9pp |
| Annual return | -24.99% | 37.41%-62.4pp | 34.67%-59.7pp | 202.70%-227.7pp |
| Employer contribution / active EE | $809 | $3,645-77.8% | $3,226-74.9% | $5,055-84.0% |
| Participant deferral / active EE | $1,699 | $5,760-70.5% | $5,217-67.4% | $6,977-75.6% |
| Admin fee / account holder | $4,514 | $15,467-70.8% | $13,208-65.8% | $19,030-76.3% |