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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 | $257,852 | $124,336+107.4% | $111,303+131.7% | $167,518+53.9% |
| Participation rate | 57.9% | 79.6%-21.7pp | 77.3%-19.4pp | 82.1%-24.2pp |
| Annual return | 16.74% | 37.45%-20.7pp | 54.66%-37.9pp | 478.71%-462.0pp |
| Employer contribution / active EE | $342 | $3,436-90.0% | $2,731-87.5% | $4,838-92.9% |
| Participant deferral / active EE | $2,767 | $5,181-46.6% | $4,487-38.3% | $6,342-56.4% |
| Admin fee / account holder | $37,699 | $10,623+254.9% | $7,966+373.2% | $12,312+206.2% |