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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 | $393,822 | $196,972+99.9% | $182,262+116.1% | $198,609+98.3% |
| Participation rate | 25.0% | 85.7%-60.7pp | 84.2%-59.2pp | 82.4%-57.4pp |
| Annual return | 16.01% | 158.27%-142.3pp | 140.60%-124.6pp | 202.70%-186.7pp |
| Employer contribution / active EE | $360 | $5,364-93.3% | $5,046-92.9% | $5,055-92.9% |
| Participant deferral / active EE | $5,250 | $8,643-39.3% | $8,276-36.6% | $6,977-24.8% |
| Admin fee / account holder | $3,786 | $18,429-79.5% | $16,712-77.3% | $19,030-80.1% |