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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 | $430,381 | $72,071+497.2% | $68,368+529.5% | $137,256+213.6% |
| Participation rate | 25.0% | 76.2%-51.2pp | 73.8%-48.8pp | 80.0%-55.0pp |
| Annual return | 22.49% | 353.14%-330.7pp | 292.57%-270.1pp | 220.34%-197.9pp |
| Employer contribution / active EE | $146 | $2,788-94.8% | $2,649-94.5% | $4,156-96.5% |
| Participant deferral / active EE | $7,761 | $4,410+76.0% | $4,123+88.2% | $6,407+21.1% |
| Admin fee / account holder | $9,439 | $5,336+76.9% | $5,150+83.3% | $12,270-23.1% |