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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 | $458,736 | $129,737+253.6% | $119,126+285.1% | $154,746+196.4% |
| Participation rate | 50.0% | 78.9%-28.9pp | 75.8%-25.8pp | 80.7%-30.7pp |
| Annual return | 12.95% | 379.08%-366.1pp | 282.11%-269.2pp | 172.34%-159.4pp |
| Employer contribution / active EE | $211 | $4,375-95.2% | $4,034-94.8% | $4,379-95.2% |
| Participant deferral / active EE | $7,755 | $5,842+32.7% | $5,318+45.8% | $6,730+15.2% |
| Admin fee / account holder | $11,711 | $11,961-2.1% | $10,693+9.5% | $14,365-18.5% |