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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 | $157,829+172.7% | $136,867+214.5% | $198,609+116.7% |
| Participation rate | 25.0% | 77.2%-52.2pp | 74.5%-49.5pp | 82.4%-57.4pp |
| Annual return | 22.49% | 51.25%-28.8pp | 42.97%-20.5pp | 202.70%-180.2pp |
| Employer contribution / active EE | $146 | $3,923-96.3% | $3,547-95.9% | $5,055-97.1% |
| Participant deferral / active EE | $7,761 | $5,463+42.1% | $4,924+57.6% | $6,977+11.2% |
| Admin fee / account holder | $9,439 | $11,107-15.0% | $10,340-8.7% | $19,030-50.4% |