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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 | $292,865 | $114,119+156.6% | $107,187+173.2% | $138,895+110.9% |
| Participation rate | 43.8% | 78.1%-34.3pp | 75.0%-31.3pp | 79.9%-36.2pp |
| Annual return | 12.47% | 273.21%-260.7pp | 204.55%-192.1pp | 145.39%-132.9pp |
| Employer contribution / active EE | $821 | $4,059-79.8% | $3,782-78.3% | $4,194-80.4% |
| Participant deferral / active EE | $2,313 | $5,538-58.2% | $5,096-54.6% | $6,396-63.8% |
| Admin fee / account holder | $10,893 | $10,024+8.7% | $9,162+18.9% | $12,562-13.3% |