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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 | $260,658 | $125,193+108.2% | $105,591+146.9% | $145,978+78.6% |
| Participation rate | 27.3% | 77.6%-50.4pp | 75.3%-48.0pp | 80.3%-53.0pp |
| Annual return | 17.99% | 225.53%-207.5pp | 116.43%-98.4pp | 550.52%-532.5pp |
| Employer contribution / active EE | $450 | $3,718-87.9% | $3,166-85.8% | $4,662-90.4% |
| Participant deferral / active EE | $1,808 | $5,708-68.3% | $5,008-63.9% | $6,690-73.0% |
| Admin fee / account holder | $57,574 | $17,277+233.2% | $11,024+422.3% | $13,400+329.6% |