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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 | $259,177 | $106,247+143.9% | $96,515+168.5% | $139,466+85.8% |
| Participation rate | 35.7% | 77.8%-42.1pp | 74.3%-38.6pp | 80.3%-44.6pp |
| Annual return | 15.97% | 38.47%-22.5pp | 35.73%-19.8pp | 373.66%-357.7pp |
| Employer contribution / active EE | $731 | $4,106-82.2% | $3,740-80.5% | $4,754-84.6% |
| Participant deferral / active EE | $2,741 | $5,456-49.8% | $4,880-43.8% | $6,712-59.2% |
| Admin fee / account holder | $766 | $7,885-90.3% | $6,735-88.6% | $11,409-93.3% |