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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 | $447,152 | $52,353+754.1% | $120,225+271.9% | $82,448+442.3% |
| Participation rate | 23.7% | 58.3%-34.6pp | 69.6%-45.9pp | 68.1%-44.4pp |
| Annual return | 17.00% | 61.85%-44.8pp | 439.23%-422.2pp | 41.64%-24.6pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,335 | $2,627+65.0% | $3,999+8.4% | $4,139+4.7% |
| Admin fee / account holder | $15,030 | $4,363+244.5% | $5,696+163.9% | $7,234+107.8% |