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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 | $434,030 | $196,972+120.4% | $182,262+138.1% | $198,609+118.5% |
| Participation rate | 45.5% | 85.7%-40.2pp | 84.2%-38.8pp | 82.4%-36.9pp |
| Annual return | 23.76% | 158.27%-134.5pp | 140.60%-116.8pp | 202.70%-178.9pp |
| Employer contribution / active EE | $0 | $5,364-100.0% | $5,046-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $7,242 | $8,643-16.2% | $8,276-12.5% | $6,977+3.8% |
| Admin fee / account holder | $1,536 | $18,429-91.7% | $16,712-90.8% | $19,030-91.9% |