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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 | $304,152 | $132,634+129.3% | $115,768+162.7% | $137,256+121.6% |
| Participation rate | 29.4% | 77.9%-48.5pp | 74.4%-45.0pp | 80.0%-50.5pp |
| Annual return | 14.56% | 160.70%-146.1pp | 100.46%-85.9pp | 220.34%-205.8pp |
| Employer contribution / active EE | $627 | $3,360-81.3% | $2,940-78.7% | $4,156-84.9% |
| Participant deferral / active EE | $2,403 | $5,619-57.2% | $4,917-51.1% | $6,407-62.5% |
| Admin fee / account holder | $3,063 | $15,028-79.6% | $12,439-75.4% | $12,270-75.0% |