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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 | $183,627+141.2% | $155,602+184.6% | $145,978+203.4% |
| Participation rate | 22.2% | 82.7%-60.5pp | 78.2%-56.0pp | 80.3%-58.1pp |
| Annual return | 8.85% | 61.32%-52.5pp | 64.81%-56.0pp | 550.52%-541.7pp |
| Employer contribution / active EE | $817 | $5,316-84.6% | $4,675-82.5% | $4,662-82.5% |
| Participant deferral / active EE | $3,556 | $6,466-45.0% | $5,629-36.8% | $6,690-46.8% |
| Admin fee / account holder | $5,099 | $19,327-73.6% | $15,923-68.0% | $13,400-62.0% |