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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 | $349,283 | $148,623+135.0% | $135,974+156.9% | $139,466+150.4% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 18.51% | 79.30%-60.8pp | 68.30%-49.8pp | 373.66%-355.2pp |
| Employer contribution / active EE | $948 | $5,246-81.9% | $4,859-80.5% | $4,754-80.1% |
| Participant deferral / active EE | $8,066 | $8,103-0.5% | $7,760+3.9% | $6,712+20.2% |
| Admin fee / account holder | $6,228 | $12,406-49.8% | $10,767-42.2% | $11,409-45.4% |