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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 | $299,342 | $155,833+92.1% | $124,693+140.1% | $167,518+78.7% |
| Participation rate | 37.5% | 81.1%-43.6pp | 74.6%-37.1pp | 82.1%-44.6pp |
| Annual return | 14.03% | 17.98%-3.9pp | 5144.19%-5130.2pp | 478.71%-464.7pp |
| Employer contribution / active EE | $229 | $4,164-94.5% | $3,324-93.1% | $4,838-95.3% |
| Participant deferral / active EE | $5,688 | $5,675+0.2% | $4,615+23.2% | $6,342-10.3% |
| Admin fee / account holder | $1,346 | $9,534-85.9% | $7,494-82.0% | $12,312-89.1% |