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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 | $389,451 | $165,381+135.5% | $149,730+160.1% | $158,966+145.0% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 18.19% | 348.29%-330.1pp | 276.70%-258.5pp | 302.95%-284.8pp |
| Employer contribution / active EE | $88 | $5,104-98.3% | $4,645-98.1% | $4,762-98.2% |
| Participant deferral / active EE | $4,064 | $7,182-43.4% | $6,843-40.6% | $5,983-32.1% |
| Admin fee / account holder | $1,872 | $10,809-82.7% | $9,310-79.9% | $11,250-83.4% |