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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 | $665,694 | $111,830+495.3% | $93,696+610.5% | $145,884+356.3% |
| Participation rate | 20.0% | 74.2%-54.2pp | 68.7%-48.7pp | 80.3%-60.3pp |
| Annual return | 16.90% | 204.08%-187.2pp | 133.74%-116.8pp | 551.85%-534.9pp |
| Employer contribution / active EE | $540 | $3,093-82.5% | $2,422-77.7% | $4,662-88.4% |
| Participant deferral / active EE | $4,423 | $4,920-10.1% | $4,417+0.1% | $6,690-33.9% |
| Admin fee / account holder | $1,634 | $10,249-84.1% | $8,287-80.3% | $13,392-87.8% |