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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 | $315,817 | $157,276+100.8% | $141,177+123.7% | $152,885+106.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 26.06% | 64.33%-38.3pp | 71.40%-45.3pp | 345.39%-319.3pp |
| Employer contribution / active EE | $692 | $5,262-86.8% | $4,736-85.4% | $4,763-85.5% |
| Participant deferral / active EE | $4,696 | $7,110-34.0% | $6,710-30.0% | $5,851-19.7% |
| Admin fee / account holder | $2,742 | $12,123-77.4% | $10,263-73.3% | $11,598-76.4% |