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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 | $185,312+168.2% | $161,489+207.8% | $154,746+221.2% |
| Participation rate | 28.6% | 82.5%-53.9pp | 78.7%-50.1pp | 80.7%-52.1pp |
| Annual return | 12.06% | 103.84%-91.8pp | 89.72%-77.7pp | 172.34%-160.3pp |
| Employer contribution / active EE | $497 | $4,769-89.6% | $4,268-88.4% | $4,379-88.7% |
| Participant deferral / active EE | $4,714 | $6,350-25.8% | $5,630-16.3% | $6,730-30.0% |
| Admin fee / account holder | $3,337 | $18,654-82.1% | $16,006-79.2% | $14,365-76.8% |