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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 | $265,292 | $162,136+63.6% | $152,301+74.2% | $154,746+71.4% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 20.05% | 91.02%-71.0pp | 80.50%-60.4pp | 172.34%-152.3pp |
| Employer contribution / active EE | $686 | $4,890-86.0% | $4,624-85.2% | $4,379-84.3% |
| Participant deferral / active EE | $9,069 | $8,341+8.7% | $8,004+13.3% | $6,730+34.8% |
| Admin fee / account holder | $1,517 | $15,759-90.4% | $14,398-89.5% | $14,365-89.4% |