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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 | $421,537 | $167,362+151.9% | $143,799+193.1% | $134,532+213.3% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -18.60% | 0.47%-19.1pp | -0.04%-18.6pp | 418.27%-436.9pp |
| Employer contribution / active EE | $664 | $5,620-88.2% | $4,952-86.6% | $4,741-86.0% |
| Participant deferral / active EE | $8,816 | $6,447+36.7% | $5,638+56.4% | $6,401+37.7% |
| Admin fee / account holder | $9,585 | $18,094-47.0% | $14,677-34.7% | $11,429-16.1% |