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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 | $97,125+232.3% | $86,233+274.2% | $137,256+135.1% |
| Participation rate | 37.5% | 74.2%-36.7pp | 69.0%-31.5pp | 80.0%-42.5pp |
| Annual return | -24.99% | 74.19%-99.2pp | 61.39%-86.4pp | 220.34%-245.3pp |
| Employer contribution / active EE | $809 | $2,841-71.5% | $2,504-67.7% | $4,156-80.5% |
| Participant deferral / active EE | $1,699 | $5,180-67.2% | $4,559-62.7% | $6,407-73.5% |
| Admin fee / account holder | $4,514 | $9,725-53.6% | $8,342-45.9% | $12,270-63.2% |