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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 | $497,043 | $172,111+188.8% | $150,298+230.7% | $137,256+262.1% |
| Participation rate | 28.6% | 81.7%-53.1pp | 77.8%-49.2pp | 80.0%-51.4pp |
| Annual return | 12.06% | 69.37%-57.3pp | 62.79%-50.7pp | 220.34%-208.3pp |
| Employer contribution / active EE | $497 | $4,636-89.3% | $4,154-88.0% | $4,156-88.1% |
| Participant deferral / active EE | $4,714 | $6,166-23.5% | $5,453-13.5% | $6,407-26.4% |
| Admin fee / account holder | $3,337 | $16,471-79.7% | $14,116-76.4% | $12,270-72.8% |