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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $285,212 | $59,819+376.8% | $79,583+258.4% | $68,490+316.4% |
| Participation rate | 7.0% | 61.1%-54.1pp | 69.5%-62.5pp | 67.9%-60.9pp |
| Annual return | -14.15% | -12.30%-1.9pp | 0.16%-14.3pp | -7.85%-6.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $806 | $3,025-73.3% | $3,986-79.8% | $4,028-80.0% |
| Admin fee / account holder | $35,905 | $4,835+642.5% | $6,835+425.3% | $5,403+564.5% |