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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $295,675 | $78,694+275.7% | $67,652+337.1% | $125,389+135.8% |
| Participation rate | 36.8% | 78.8%-42.0pp | 75.7%-38.8pp | 83.2%-46.3pp |
| Annual return | 1.18% | 9.46%-8.3pp | 6625.40%-6624.2pp | 282.24%-281.1pp |
| Employer contribution / active EE | $0 | $3,044-100.0% | $2,266-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $5,089 | $4,292+18.6% | $3,560+42.9% | $5,352-4.9% |
| Admin fee / account holder | $6,036 | $7,403-18.5% | $4,821+25.2% | $9,541-36.7% |