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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 | $134,817+240.3% | $123,973+270.0% | $155,188+195.6% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.7%-26.7pp | 80.8%-30.8pp |
| Annual return | 12.95% | 515.49%-502.5pp | 388.13%-375.2pp | 148.84%-135.9pp |
| Employer contribution / active EE | $211 | $4,425-95.2% | $4,126-94.9% | $4,248-95.0% |
| Participant deferral / active EE | $7,755 | $5,706+35.9% | $5,247+47.8% | $6,531+18.7% |
| Admin fee / account holder | $11,711 | $13,245-11.6% | $11,799-0.7% | $14,480-19.1% |