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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 | $297,896 | $227,399+31.0% | $189,758+57.0% | $198,609+50.0% |
| Participation rate | 33.3% | 84.0%-50.7pp | 79.8%-46.5pp | 82.4%-49.0pp |
| Annual return | 16.48% | 61.03%-44.6pp | 52.62%-36.1pp | 202.70%-186.2pp |
| Employer contribution / active EE | $1,163 | $5,526-78.9% | $4,767-75.6% | $5,055-77.0% |
| Participant deferral / active EE | $4,130 | $6,837-39.6% | $5,856-29.5% | $6,977-40.8% |
| Admin fee / account holder | $1,936 | $25,162-92.3% | $20,388-90.5% | $19,030-89.8% |