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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 | $274,804 | $142,392+93.0% | $119,622+129.7% | $134,532+104.3% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | -1.53% | -12.46%+10.9pp | -14.98%+13.5pp | 418.27%-419.8pp |
| Employer contribution / active EE | $1,275 | $5,224-75.6% | $4,232-69.9% | $4,741-73.1% |
| Participant deferral / active EE | $1,798 | $6,467-72.2% | $5,601-67.9% | $6,401-71.9% |
| Admin fee / account holder | $8,441 | $13,593-37.9% | $10,328-18.3% | $11,429-26.1% |