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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 | $307,248 | $110,093+179.1% | $97,295+215.8% | $145,897+110.6% |
| Participation rate | 14.3% | 75.9%-61.6pp | 72.7%-58.4pp | 80.3%-66.0pp |
| Annual return | 20.87% | 244.76%-223.9pp | 75.62%-54.7pp | 552.29%-531.4pp |
| Employer contribution / active EE | $311 | $3,077-89.9% | $2,723-88.6% | $4,663-93.3% |
| Participant deferral / active EE | $3,000 | $4,678-35.9% | $4,264-29.6% | $6,689-55.2% |
| Admin fee / account holder | $2,032 | $6,212-67.3% | $5,646-64.0% | $13,390-84.8% |