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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 | $383,429 | $100,203+282.7% | $85,240+349.8% | $145,897+162.8% |
| Participation rate | 25.0% | 74.1%-49.1pp | 67.5%-42.5pp | 80.3%-55.3pp |
| Annual return | 16.75% | 84.28%-67.5pp | 66.75%-50.0pp | 552.29%-535.5pp |
| Employer contribution / active EE | $290 | $3,242-91.1% | $2,735-89.4% | $4,663-93.8% |
| Participant deferral / active EE | $5,750 | $5,299+8.5% | $4,527+27.0% | $6,689-14.0% |
| Admin fee / account holder | $945 | $7,265-87.0% | $6,165-84.7% | $13,390-92.9% |