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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 | $295,945 | $148,623+99.1% | $135,974+117.6% | $139,466+112.2% |
| Participation rate | 58.3% | 83.9%-25.5pp | 81.9%-23.6pp | 80.3%-22.0pp |
| Annual return | -26.13% | 79.30%-105.4pp | 68.30%-94.4pp | 373.66%-399.8pp |
| Employer contribution / active EE | $1,714 | $5,246-67.3% | $4,859-64.7% | $4,754-63.9% |
| Participant deferral / active EE | $4,141 | $8,103-48.9% | $7,760-46.6% | $6,712-38.3% |
| Admin fee / account holder | $48,680 | $12,406+292.4% | $10,767+352.1% | $11,409+326.7% |