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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 | $381,457 | $73,955+415.8% | $96,520+295.2% | $75,181+407.4% |
| Participation rate | 3.8% | 66.4%-62.6pp | 74.3%-70.5pp | 67.2%-63.4pp |
| Annual return | 13.50% | 26.72%-13.2pp | 35.72%-22.2pp | 160.69%-147.2pp |
| Employer contribution / active EE | $416 | $2,930-85.8% | $3,739-88.9% | $2,671-84.4% |
| Participant deferral / active EE | $2,632 | $3,659-28.1% | $4,879-46.0% | $4,126-36.2% |
| Admin fee / account holder | $16,413 | $5,217+214.6% | $6,733+143.8% | $5,650+190.5% |