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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 | $262,137 | $174,379+50.3% | $152,093+72.4% | $138,895+88.7% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 12.16% | 74.86%-62.7pp | 66.36%-54.2pp | 145.39%-133.2pp |
| Employer contribution / active EE | $720 | $4,652-84.5% | $4,175-82.8% | $4,194-82.8% |
| Participant deferral / active EE | $15,335 | $6,159+149.0% | $5,451+181.3% | $6,396+139.7% |
| Admin fee / account holder | $22,907 | $16,880+35.7% | $14,497+58.0% | $12,562+82.3% |