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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 | $391,814 | $176,786+121.6% | $146,643+167.2% | $167,536+133.9% |
| Participation rate | 50.0% | 83.6%-33.6pp | 80.1%-30.1pp | 82.1%-32.1pp |
| Annual return | 19.41% | 24.04%-4.6pp | 22.75%-3.3pp | 478.82%-459.4pp |
| Employer contribution / active EE | $692 | $5,161-86.6% | $4,137-83.3% | $4,839-85.7% |
| Participant deferral / active EE | $8,577 | $6,440+33.2% | $5,506+55.8% | $6,342+35.2% |
| Admin fee / account holder | $5,758 | $13,262-56.6% | $10,280-44.0% | $12,315-53.2% |