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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 | $262,862 | $99,032+165.4% | $80,022+228.5% | $135,380+94.2% |
| Participation rate | 33.3% | 78.4%-45.0pp | 75.8%-42.5pp | 82.6%-49.3pp |
| Annual return | -5.80% | 15.39%-21.2pp | 11.22%-17.0pp | 519.81%-525.6pp |
| Employer contribution / active EE | $115 | $3,043-96.2% | $2,468-95.3% | $4,779-97.6% |
| Participant deferral / active EE | $2,377 | $4,282-44.5% | $3,686-35.5% | $5,609-57.6% |
| Admin fee / account holder | $61,909 | $10,436+493.2% | $6,521+849.4% | $10,828+471.7% |