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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 | $377,212 | $180,462+109.0% | $154,111+144.8% | $135,379+178.6% |
| Participation rate | 42.9% | 87.4%-44.6pp | 83.0%-40.2pp | 82.6%-39.8pp |
| Annual return | -2.14% | 888.17%-890.3pp | 735.18%-737.3pp | 519.79%-521.9pp |
| Employer contribution / active EE | $733 | $6,036-87.8% | $5,298-86.2% | $4,779-84.7% |
| Participant deferral / active EE | $2,775 | $5,806-52.2% | $5,081-45.4% | $5,609-50.5% |
| Admin fee / account holder | $7,411 | $16,145-54.1% | $13,411-44.7% | $10,828-31.6% |