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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 | $278,095 | $167,352+66.2% | $143,788+93.4% | $134,509+106.7% |
| Participation rate | 66.7% | 84.8%-18.1pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -18.38% | 0.47%-18.8pp | -0.03%-18.3pp | 418.13%-436.5pp |
| Employer contribution / active EE | $754 | $5,620-86.6% | $4,952-84.8% | $4,741-84.1% |
| Participant deferral / active EE | $2,809 | $6,447-56.4% | $5,638-50.2% | $6,400-56.1% |
| Admin fee / account holder | $50,012 | $18,091+176.4% | $14,675+240.8% | $11,427+337.7% |