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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 | $571,815 | $110,337+418.2% | $102,383+458.5% | $145,877+292.0% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 13.94% | 24.83%-10.9pp | 24.94%-11.0pp | 551.28%-537.3pp |
| Employer contribution / active EE | $589 | $4,216-86.0% | $3,870-84.8% | $4,663-87.4% |
| Participant deferral / active EE | $3,994 | $5,621-28.9% | $5,060-21.1% | $6,691-40.3% |
| Admin fee / account holder | $1,018 | $9,750-89.6% | $8,391-87.9% | $13,402-92.4% |