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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 | $480,016 | $156,398+206.9% | $147,318+225.8% | $138,895+245.6% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 79.9%-19.9pp |
| Annual return | 14.75% | 78.75%-64.0pp | 70.43%-55.7pp | 145.39%-130.6pp |
| Employer contribution / active EE | $842 | $4,853-82.6% | $4,593-81.7% | $4,194-79.9% |
| Participant deferral / active EE | $4,227 | $8,237-48.7% | $7,906-46.5% | $6,396-33.9% |
| Admin fee / account holder | $38,225 | $14,976+155.2% | $13,708+178.9% | $12,562+204.3% |