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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 | $281,024 | $167,362+67.9% | $143,799+95.4% | $134,532+108.9% |
| Participation rate | 22.2% | 84.8%-62.6pp | 80.3%-58.1pp | 81.2%-59.0pp |
| Annual return | -12.75% | 0.47%-13.2pp | -0.04%-12.7pp | 418.27%-431.0pp |
| Employer contribution / active EE | $979 | $5,620-82.6% | $4,952-80.2% | $4,741-79.3% |
| Participant deferral / active EE | $2,761 | $6,447-57.2% | $5,638-51.0% | $6,401-56.9% |
| Admin fee / account holder | $1,366 | $18,094-92.5% | $14,677-90.7% | $11,429-88.1% |