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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 | $442,915 | $183,592+141.2% | $155,567+184.7% | $145,959+203.5% |
| Participation rate | 22.2% | 82.7%-60.5pp | 78.2%-56.0pp | 80.3%-58.1pp |
| Annual return | 8.85% | 61.24%-52.4pp | 64.74%-55.9pp | 561.95%-553.1pp |
| Employer contribution / active EE | $817 | $5,315-84.6% | $4,674-82.5% | $4,661-82.5% |
| Participant deferral / active EE | $3,556 | $6,464-45.0% | $5,628-36.8% | $6,689-46.8% |
| Admin fee / account holder | $5,099 | $19,318-73.6% | $15,916-68.0% | $13,398-61.9% |