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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 | $299,485 | $138,075+116.9% | $123,552+142.4% | $135,379+121.2% |
| Participation rate | 16.7% | 84.7%-68.1pp | 82.3%-65.6pp | 82.6%-66.0pp |
| Annual return | -8.95% | 153.70%-162.6pp | 119.20%-128.1pp | 519.79%-528.7pp |
| Employer contribution / active EE | $610 | $5,152-88.2% | $4,628-86.8% | $4,779-87.2% |
| Participant deferral / active EE | $3,373 | $6,800-50.4% | $6,426-47.5% | $5,609-39.9% |
| Admin fee / account holder | $14,395 | $10,917+31.9% | $9,285+55.0% | $10,828+32.9% |