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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 | $670,763 | $76,551+776.2% | $123,894+441.4% | $62,881+966.7% |
| Participation rate | 3.8% | 73.0%-69.1pp | 81.4%-77.6pp | 69.3%-65.5pp |
| Annual return | 7.93% | 18.68%-10.7pp | 47.52%-39.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,962 | $4,840-38.8% | $5,984-50.5% | $3,203-7.5% |
| Admin fee / account holder | $124,471 | $4,826+2479.3% | $8,357+1389.4% | $4,296+2797.6% |