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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 | $305,681 | $115,917+163.7% | $100,535+204.1% | $158,982+92.3% |
| Participation rate | 54.5% | 81.6%-27.1pp | 79.4%-24.9pp | 82.0%-27.4pp |
| Annual return | 20.63% | 34.80%-14.2pp | 30.90%-10.3pp | 302.99%-282.4pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,419-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $5,995 | $6,677-10.2% | $6,271-4.4% | $5,983+0.2% |
| Admin fee / account holder | $15,394 | $11,002+39.9% | $8,085+90.4% | $11,252+36.8% |