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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 | $344,567 | $81,870+320.9% | $119,622+188.0% | $68,486+403.1% |
| Participation rate | 63.0% | 71.9%-8.9pp | 79.3%-16.3pp | 67.9%-4.9pp |
| Annual return | -24.06% | -23.82%-0.2pp | -14.98%-9.1pp | -7.85%-16.2pp |
| Employer contribution / active EE | $3,925 | $2,692+45.8% | $4,232-7.3% | $2,597+51.1% |
| Participant deferral / active EE | $6,850 | $4,148+65.1% | $5,601+22.3% | $4,028+70.1% |
| Admin fee / account holder | $3,681 | $6,583-44.1% | $10,328-64.4% | $5,404-31.9% |