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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 | $292,331 | $152,612+91.6% | $125,192+133.5% | $152,897+91.2% |
| Participation rate | 40.0% | 83.3%-43.3pp | 79.8%-39.8pp | 82.5%-42.5pp |
| Annual return | 25.41% | 54.85%-29.4pp | 43.79%-18.4pp | 345.43%-320.0pp |
| Employer contribution / active EE | $760 | $4,947-84.6% | $3,866-80.3% | $4,764-84.0% |
| Participant deferral / active EE | $1,900 | $5,868-67.6% | $4,937-61.5% | $5,851-67.5% |
| Admin fee / account holder | $1,414 | $13,437-89.5% | $9,704-85.4% | $11,599-87.8% |