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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 | $386,170 | $148,629+159.8% | $135,982+184.0% | $139,487+176.9% |
| Participation rate | 16.7% | 83.9%-67.2pp | 81.9%-65.3pp | 80.3%-63.7pp |
| Annual return | 20.22% | 79.33%-59.1pp | 68.32%-48.1pp | 373.84%-353.6pp |
| Employer contribution / active EE | $658 | $5,247-87.5% | $4,859-86.5% | $4,755-86.2% |
| Participant deferral / active EE | $5,000 | $8,102-38.3% | $7,760-35.6% | $6,713-25.5% |
| Admin fee / account holder | $3,746 | $12,406-69.8% | $10,767-65.2% | $11,407-67.2% |