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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 | $697,565 | $94,439+638.6% | $73,658+847.0% | $154,746+350.8% |
| Participation rate | 13.0% | 64.7%-51.6pp | 57.0%-44.0pp | 80.7%-67.7pp |
| Annual return | 20.68% | 28.25%-7.6pp | 29.72%-9.0pp | 172.34%-151.7pp |
| Employer contribution / active EE | $0 | $1,257-100.0% | $1,032-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,511 | $2,527-40.2% | $2,062-26.7% | $6,730-77.6% |
| Admin fee / account holder | $6,431 | $3,843+67.4% | $3,357+91.6% | $14,365-55.2% |