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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 | $372,896 | $111,535+234.3% | $105,223+254.4% | $137,256+171.7% |
| Participation rate | 7.1% | 78.1%-70.9pp | 75.0%-67.9pp | 80.0%-72.8pp |
| Annual return | 16.47% | 237.85%-221.4pp | 180.65%-164.2pp | 220.34%-203.9pp |
| Employer contribution / active EE | $229 | $3,939-94.2% | $3,689-93.8% | $4,156-94.5% |
| Participant deferral / active EE | $2,214 | $5,500-59.7% | $5,072-56.3% | $6,407-65.4% |
| Admin fee / account holder | $1,961 | $9,721-79.8% | $8,859-77.9% | $12,270-84.0% |