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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 | $256,980 | $72,071+256.6% | $68,368+275.9% | $137,256+87.2% |
| Participation rate | 25.0% | 76.2%-51.2pp | 73.8%-48.8pp | 80.0%-55.0pp |
| Annual return | 14.58% | 353.14%-338.6pp | 292.57%-278.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $319 | $2,788-88.6% | $2,649-88.0% | $4,156-92.3% |
| Participant deferral / active EE | $2,854 | $4,410-35.3% | $4,123-30.8% | $6,407-55.5% |
| Admin fee / account holder | $10,066 | $5,336+88.7% | $5,150+95.5% | $12,270-18.0% |