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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 | $458,439 | $100,073+358.1% | $85,126+438.5% | $145,877+214.3% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 10.96% | 84.11%-73.1pp | 66.63%-55.7pp | 551.28%-540.3pp |
| Employer contribution / active EE | -$1,941 | $3,236-160.0% | $2,731-171.1% | $4,663-141.6% |
| Participant deferral / active EE | $10,250 | $5,294+93.6% | $4,523+126.6% | $6,691+53.2% |
| Admin fee / account holder | $23,785 | $7,261+227.6% | $6,160+286.1% | $13,402+77.5% |