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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 | $320,426 | $125,778+154.8% | $114,563+179.7% | $154,746+107.1% |
| Participation rate | 36.4% | 75.2%-38.8pp | 72.9%-36.5pp | 80.7%-44.3pp |
| Annual return | 17.08% | 295.14%-278.1pp | 241.09%-224.0pp | 172.34%-155.3pp |
| Employer contribution / active EE | $0 | $2,806-100.0% | $2,592-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,066 | $4,445-53.5% | $4,142-50.1% | $6,730-69.3% |
| Admin fee / account holder | $634 | $8,190-92.3% | $7,623-91.7% | $14,365-95.6% |