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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 | $412,497 | $138,102+198.7% | $125,381+229.0% | $134,532+206.6% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -16.94% | 750.73%-767.7pp | 572.31%-589.3pp | 418.27%-435.2pp |
| Employer contribution / active EE | $390 | $5,245-92.6% | $4,815-91.9% | $4,741-91.8% |
| Participant deferral / active EE | $9,100 | $7,801+16.7% | $7,448+22.2% | $6,401+42.2% |
| Admin fee / account holder | $1,023 | $11,568-91.2% | $10,007-89.8% | $11,429-91.0% |