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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 | $445,503 | $165,381+169.4% | $149,730+197.5% | $158,966+180.3% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 10.25% | 348.29%-338.0pp | 276.70%-266.5pp | 302.95%-292.7pp |
| Employer contribution / active EE | $887 | $5,104-82.6% | $4,645-80.9% | $4,762-81.4% |
| Participant deferral / active EE | $6,650 | $7,182-7.4% | $6,843-2.8% | $5,983+11.1% |
| Admin fee / account holder | $3,147 | $10,809-70.9% | $9,310-66.2% | $11,250-72.0% |