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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 | $491,013 | $176,105+178.8% | $159,474+207.9% | $167,536+193.1% |
| Participation rate | 15.0% | 85.0%-70.0pp | 82.8%-67.8pp | 82.1%-67.1pp |
| Annual return | 10.62% | 331.91%-321.3pp | 263.68%-253.1pp | 478.82%-468.2pp |
| Employer contribution / active EE | $918 | $5,299-82.7% | $4,831-81.0% | $4,839-81.0% |
| Participant deferral / active EE | $7,838 | $7,751+1.1% | $7,353+6.6% | $6,342+23.6% |
| Admin fee / account holder | $5,648 | $12,559-55.0% | $10,802-47.7% | $12,315-54.1% |