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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 | $312,236 | $167,353+86.6% | $143,797+117.1% | $134,545+132.1% |
| Participation rate | 27.8% | 84.8%-57.0pp | 80.3%-52.5pp | 81.2%-53.5pp |
| Annual return | -17.80% | 0.48%-18.3pp | -0.04%-17.8pp | 418.37%-436.2pp |
| Employer contribution / active EE | $1,098 | $5,620-80.5% | $4,952-77.8% | $4,742-76.8% |
| Participant deferral / active EE | $3,960 | $6,447-38.6% | $5,638-29.8% | $6,401-38.1% |
| Admin fee / account holder | $1,620 | $18,096-91.0% | $14,679-89.0% | $11,431-85.8% |