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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 | $300,274 | $165,381+81.6% | $149,730+100.5% | $158,966+88.9% |
| Participation rate | 35.7% | 84.6%-48.9pp | 82.5%-46.8pp | 82.0%-46.2pp |
| Annual return | 15.59% | 348.29%-332.7pp | 276.70%-261.1pp | 302.95%-287.4pp |
| Employer contribution / active EE | $699 | $5,104-86.3% | $4,645-84.9% | $4,762-85.3% |
| Participant deferral / active EE | $3,082 | $7,182-57.1% | $6,843-55.0% | $5,983-48.5% |
| Admin fee / account holder | $8,083 | $10,809-25.2% | $9,310-13.2% | $11,250-28.1% |