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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 | $369,280 | $148,629+148.5% | $135,982+171.6% | $139,487+164.7% |
| Participation rate | 61.5% | 83.9%-22.3pp | 81.9%-20.4pp | 80.3%-18.8pp |
| Annual return | 17.26% | 79.33%-62.1pp | 68.32%-51.1pp | 373.84%-356.6pp |
| Employer contribution / active EE | $962 | $5,247-81.7% | $4,859-80.2% | $4,755-79.8% |
| Participant deferral / active EE | $8,158 | $8,102+0.7% | $7,760+5.1% | $6,713+21.5% |
| Admin fee / account holder | $3,330 | $12,406-73.2% | $10,767-69.1% | $11,407-70.8% |