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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 | $100,203+357.5% | $85,240+437.8% | $145,897+214.2% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 10.96% | 84.28%-73.3pp | 66.75%-55.8pp | 552.29%-541.3pp |
| Employer contribution / active EE | -$1,941 | $3,242-159.9% | $2,735-171.0% | $4,663-141.6% |
| Participant deferral / active EE | $10,250 | $5,299+93.5% | $4,527+126.4% | $6,689+53.2% |
| Admin fee / account holder | $23,785 | $7,265+227.4% | $6,165+285.8% | $13,390+77.6% |