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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 | $253,333 | $111,535+127.1% | $105,223+140.8% | $137,256+84.6% |
| Participation rate | 26.3% | 78.1%-51.8pp | 75.0%-48.7pp | 80.0%-53.6pp |
| Annual return | 21.00% | 237.85%-216.9pp | 180.65%-159.6pp | 220.34%-199.3pp |
| Employer contribution / active EE | $517 | $3,939-86.9% | $3,689-86.0% | $4,156-87.6% |
| Participant deferral / active EE | $3,572 | $5,500-35.1% | $5,072-29.6% | $6,407-44.3% |
| Admin fee / account holder | $10,987 | $9,721+13.0% | $8,859+24.0% | $12,270-10.5% |