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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 | $380,918 | $49,976+662.2% | $66,674+471.3% | $82,637+361.0% |
| Participation rate | 8.6% | 63.1%-54.5pp | 73.7%-65.1pp | 68.1%-59.5pp |
| Annual return | 16.27% | 39.09%-22.8pp | 321.24%-305.0pp | 53.51%-37.2pp |
| Employer contribution / active EE | $118 | $1,988-94.1% | $2,620-95.5% | $2,552-95.4% |
| Participant deferral / active EE | $1,067 | $2,847-62.5% | $4,084-73.9% | $4,126-74.1% |
| Admin fee / account holder | $652 | $4,594-85.8% | $5,098-87.2% | $7,339-91.1% |