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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 | $129,737+187.4% | $119,126+213.0% | $154,746+141.0% |
| Participation rate | 7.1% | 78.9%-71.7pp | 75.8%-68.6pp | 80.7%-73.6pp |
| Annual return | 16.47% | 379.08%-362.6pp | 282.11%-265.6pp | 172.34%-155.9pp |
| Employer contribution / active EE | $229 | $4,375-94.8% | $4,034-94.3% | $4,379-94.8% |
| Participant deferral / active EE | $2,214 | $5,842-62.1% | $5,318-58.4% | $6,730-67.1% |
| Admin fee / account holder | $1,961 | $11,961-83.6% | $10,693-81.7% | $14,365-86.3% |