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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 | $371,845 | $123,412+201.3% | $69,460+435.3% | $145,978+154.7% |
| Participation rate | 43.8% | 69.2%-25.5pp | 66.4%-22.7pp | 80.3%-36.5pp |
| Annual return | 21.57% | 191.25%-169.7pp | 100.80%-79.2pp | 550.52%-528.9pp |
| Employer contribution / active EE | $0 | $2,684-100.0% | $1,714-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,877 | $4,240-32.1% | $2,890-0.4% | $6,690-57.0% |
| Admin fee / account holder | $3,051 | $7,816-61.0% | $4,695-35.0% | $13,400-77.2% |