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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 | $365,128 | $110,379+230.8% | $102,412+256.5% | $145,884+150.3% |
| Participation rate | 28.6% | 77.9%-49.4pp | 74.5%-45.9pp | 80.3%-51.7pp |
| Annual return | 13.26% | 24.84%-11.6pp | 24.94%-11.7pp | 551.85%-538.6pp |
| Employer contribution / active EE | $74 | $4,216-98.2% | $3,870-98.1% | $4,662-98.4% |
| Participant deferral / active EE | $3,003 | $5,622-46.6% | $5,060-40.7% | $6,690-55.1% |
| Admin fee / account holder | $12,522 | $9,745+28.5% | $8,388+49.3% | $13,392-6.5% |