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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 | $389,659 | $110,410+252.9% | $102,437+280.4% | $145,897+167.1% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 17.28% | 24.85%-7.6pp | 24.95%-7.7pp | 552.29%-535.0pp |
| Employer contribution / active EE | $687 | $4,217-83.7% | $3,871-82.2% | $4,663-85.3% |
| Participant deferral / active EE | $7,853 | $5,622+39.7% | $5,060+55.2% | $6,689+17.4% |
| Admin fee / account holder | $16,189 | $9,745+66.1% | $8,388+93.0% | $13,390+20.9% |