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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 | $632,912 | $111,535+467.5% | $105,223+501.5% | $137,256+361.1% |
| Participation rate | 33.3% | 78.1%-44.8pp | 75.0%-41.7pp | 80.0%-46.6pp |
| Annual return | 12.60% | 237.85%-225.3pp | 180.65%-168.0pp | 220.34%-207.7pp |
| Employer contribution / active EE | $449 | $3,939-88.6% | $3,689-87.8% | $4,156-89.2% |
| Participant deferral / active EE | $23,012 | $5,500+318.4% | $5,072+353.7% | $6,407+259.2% |
| Admin fee / account holder | $1,772 | $9,721-81.8% | $8,859-80.0% | $12,270-85.6% |