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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 | $348,043 | $49,177+607.7% | $79,466+338.0% | $64,173+442.4% |
| Participation rate | 3.4% | 65.0%-61.6pp | 73.3%-69.9pp | 69.6%-66.1pp |
| Annual return | -7.02% | -1.16%-5.9pp | 718.28%-725.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $138 | $2,076-93.4% | $2,800-95.1% | $2,381-94.2% |
| Participant deferral / active EE | $828 | $2,821-70.7% | $3,704-77.7% | $3,470-76.1% |
| Admin fee / account holder | $4,560 | $3,839+18.8% | $5,104-10.7% | $4,887-6.7% |