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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 | $730,490 | $95,453+665.3% | $112,040+552.0% | $82,448+786.0% |
| Participation rate | 15.6% | 72.8%-57.1pp | 76.5%-60.9pp | 68.1%-52.4pp |
| Annual return | 18.86% | 23.92%-5.1pp | 24.52%-5.7pp | 41.64%-22.8pp |
| Employer contribution / active EE | $579 | $2,318-75.0% | $2,954-80.4% | $2,551-77.3% |
| Participant deferral / active EE | $2,240 | $4,224-47.0% | $5,098-56.1% | $4,139-45.9% |
| Admin fee / account holder | $5,283 | $9,013-41.4% | $12,098-56.3% | $7,234-27.0% |