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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 | $269,015 | $196,972+36.6% | $182,262+47.6% | $198,609+35.4% |
| Participation rate | 33.3% | 85.7%-52.4pp | 84.2%-50.9pp | 82.4%-49.0pp |
| Annual return | 14.78% | 158.27%-143.5pp | 140.60%-125.8pp | 202.70%-187.9pp |
| Employer contribution / active EE | $303 | $5,364-94.4% | $5,046-94.0% | $5,055-94.0% |
| Participant deferral / active EE | $3,754 | $8,643-56.6% | $8,276-54.6% | $6,977-46.2% |
| Admin fee / account holder | $2,158 | $18,429-88.3% | $16,712-87.1% | $19,030-88.7% |