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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 | $257,855 | $114,119+126.0% | $107,187+140.6% | $138,895+85.6% |
| Participation rate | 20.8% | 78.1%-57.2pp | 75.0%-54.2pp | 79.9%-59.1pp |
| Annual return | 15.28% | 273.21%-257.9pp | 204.55%-189.3pp | 145.39%-130.1pp |
| Employer contribution / active EE | $826 | $4,059-79.6% | $3,782-78.1% | $4,194-80.3% |
| Participant deferral / active EE | $3,306 | $5,538-40.3% | $5,096-35.1% | $6,396-48.3% |
| Admin fee / account holder | $18,333 | $10,024+82.9% | $9,162+100.1% | $12,562+45.9% |