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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 | $396,200 | $124,425+218.4% | $112,040+253.6% | $137,256+188.7% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.5%-26.5pp | 80.0%-30.0pp |
| Annual return | 20.21% | 24.72%-4.5pp | 24.52%-4.3pp | 220.34%-200.1pp |
| Employer contribution / active EE | $529 | $3,411-84.5% | $2,954-82.1% | $4,156-87.3% |
| Participant deferral / active EE | $5,266 | $5,718-7.9% | $5,098+3.3% | $6,407-17.8% |
| Admin fee / account holder | $5,005 | $15,207-67.1% | $12,098-58.6% | $12,270-59.2% |