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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 | $305,203 | $183,516+66.3% | $155,534+96.2% | $145,884+109.2% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 15.51% | 61.43%-45.9pp | 64.92%-49.4pp | 551.85%-536.3pp |
| Employer contribution / active EE | $822 | $5,315-84.5% | $4,675-82.4% | $4,662-82.4% |
| Participant deferral / active EE | $3,687 | $6,467-43.0% | $5,630-34.5% | $6,690-44.9% |
| Admin fee / account holder | $924 | $19,293-95.2% | $15,900-94.2% | $13,392-93.1% |