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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 | $280,504 | $100,073+180.3% | $85,126+229.5% | $145,877+92.3% |
| Participation rate | 28.6% | 74.1%-45.5pp | 67.5%-39.0pp | 80.3%-51.7pp |
| Annual return | 14.49% | 84.11%-69.6pp | 66.63%-52.1pp | 551.28%-536.8pp |
| Employer contribution / active EE | $379 | $3,236-88.3% | $2,731-86.1% | $4,663-91.9% |
| Participant deferral / active EE | $8,457 | $5,294+59.7% | $4,523+87.0% | $6,691+26.4% |
| Admin fee / account holder | $5,154 | $7,261-29.0% | $6,160-16.3% | $13,402-61.5% |