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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 | $354,994 | $61,125+480.8% | $94,057+277.4% | $87,485+305.8% |
| Participation rate | 19.2% | 64.1%-44.8pp | 73.3%-54.1pp | 68.9%-49.7pp |
| Annual return | 15.96% | 35.20%-19.2pp | 480.62%-464.7pp | 26.06%-10.1pp |
| Employer contribution / active EE | $176 | $2,136-91.7% | $2,933-94.0% | $2,596-93.2% |
| Participant deferral / active EE | $895 | $3,260-72.5% | $4,709-81.0% | $4,274-79.0% |
| Admin fee / account holder | $60,863 | $5,629+981.3% | $7,244+740.1% | $7,775+682.8% |