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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 | $777,781 | $161,352+382.0% | $134,172+479.7% | $137,256+466.7% |
| Participation rate | 15.4% | 78.3%-62.9pp | 72.5%-57.1pp | 80.0%-64.6pp |
| Annual return | 17.61% | 28.72%-11.1pp | 25.30%-7.7pp | 220.34%-202.7pp |
| Employer contribution / active EE | $209 | $4,099-94.9% | $3,420-93.9% | $4,156-95.0% |
| Participant deferral / active EE | $4,769 | $5,552-14.1% | $4,690+1.7% | $6,407-25.6% |
| Admin fee / account holder | $6,165 | $15,028-59.0% | $12,016-48.7% | $12,270-49.8% |