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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 | $256,337 | $105,160+143.8% | $94,679+170.7% | $139,456+83.8% |
| Participation rate | 47.8% | 82.4%-34.5pp | 80.8%-33.0pp | 80.3%-32.5pp |
| Annual return | 18.38% | 38.04%-19.7pp | 156.75%-138.4pp | 373.45%-355.1pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $8,064 | $7,599+6.1% | $7,417+8.7% | $6,711+20.2% |
| Admin fee / account holder | $5,904 | $8,988-34.3% | $7,233-18.4% | $11,407-48.2% |