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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 | $285,039 | $165,399+72.3% | $149,745+90.3% | $158,982+79.3% |
| Participation rate | 31.8% | 84.6%-52.8pp | 82.5%-50.7pp | 82.0%-50.1pp |
| Annual return | 19.46% | 348.34%-328.9pp | 276.72%-257.3pp | 302.99%-283.5pp |
| Employer contribution / active EE | $897 | $5,105-82.4% | $4,646-80.7% | $4,763-81.2% |
| Participant deferral / active EE | $3,126 | $7,183-56.5% | $6,843-54.3% | $5,983-47.8% |
| Admin fee / account holder | $3,277 | $10,811-69.7% | $9,312-64.8% | $11,252-70.9% |