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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 | $108,882+196.4% | $96,754+233.5% | $154,746+108.5% |
| Participation rate | 37.5% | 75.1%-37.6pp | 70.3%-32.8pp | 80.7%-43.2pp |
| Annual return | -24.99% | 98.39%-123.4pp | 82.04%-107.0pp | 172.34%-197.3pp |
| Employer contribution / active EE | $809 | $3,018-73.2% | $2,679-69.8% | $4,379-81.5% |
| Participant deferral / active EE | $1,699 | $5,323-68.1% | $4,758-64.3% | $6,730-74.8% |
| Admin fee / account holder | $4,514 | $10,200-55.8% | $8,905-49.3% | $14,365-68.6% |