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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 | $317,102 | $167,362+89.5% | $143,799+120.5% | $134,532+135.7% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -8.39% | 0.47%-8.9pp | -0.04%-8.3pp | 418.27%-426.7pp |
| Employer contribution / active EE | $1,051 | $5,620-81.3% | $4,952-78.8% | $4,741-77.8% |
| Participant deferral / active EE | $3,381 | $6,447-47.6% | $5,638-40.0% | $6,401-47.2% |
| Admin fee / account holder | $4,781 | $18,094-73.6% | $14,677-67.4% | $11,429-58.2% |