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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 | $426,333 | $110,410+286.1% | $102,437+316.2% | $145,897+192.2% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 15.44% | 24.85%-9.4pp | 24.95%-9.5pp | 552.29%-536.9pp |
| Employer contribution / active EE | $619 | $4,217-85.3% | $3,871-84.0% | $4,663-86.7% |
| Participant deferral / active EE | $4,543 | $5,622-19.2% | $5,060-10.2% | $6,689-32.1% |
| Admin fee / account holder | $8,808 | $9,745-9.6% | $8,388+5.0% | $13,390-34.2% |