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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 | $637,987 | $161,352+295.4% | $134,172+375.5% | $137,256+364.8% |
| Participation rate | 30.0% | 78.3%-48.3pp | 72.5%-42.5pp | 80.0%-50.0pp |
| Annual return | 15.01% | 28.72%-13.7pp | 25.30%-10.3pp | 220.34%-205.3pp |
| Employer contribution / active EE | $412 | $4,099-89.9% | $3,420-87.9% | $4,156-90.1% |
| Participant deferral / active EE | $2,517 | $5,552-54.7% | $4,690-46.3% | $6,407-60.7% |
| Admin fee / account holder | $3,211 | $15,028-78.6% | $12,016-73.3% | $12,270-73.8% |