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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 | $278,619 | $95,979+190.3% | $74,551+273.7% | $135,380+105.8% |
| Participation rate | 56.3% | 75.7%-19.4pp | 69.1%-12.9pp | 82.6%-26.4pp |
| Annual return | -3.81% | 56.97%-60.8pp | 32.53%-36.3pp | 519.81%-523.6pp |
| Employer contribution / active EE | $0 | $2,716-100.0% | $1,961-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $4,204 | $3,844+9.4% | $3,108+35.2% | $5,609-25.1% |
| Admin fee / account holder | $12,221 | $6,522+87.4% | $5,059+141.6% | $10,828+12.9% |