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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 | $442,971 | $180,459+145.5% | $154,108+187.4% | $135,380+227.2% |
| Participation rate | 33.3% | 87.4%-54.1pp | 83.0%-49.7pp | 82.6%-49.3pp |
| Annual return | -9.88% | 888.21%-898.1pp | 735.21%-745.1pp | 519.81%-529.7pp |
| Employer contribution / active EE | $3,996 | $6,035-33.8% | $5,298-24.6% | $4,779-16.4% |
| Participant deferral / active EE | $4,250 | $5,806-26.8% | $5,081-16.3% | $5,609-24.2% |
| Admin fee / account holder | $3,450 | $16,145-78.6% | $13,411-74.3% | $10,828-68.1% |