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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 | $319,809 | $183,516+74.3% | $155,534+105.6% | $145,884+119.2% |
| Participation rate | 30.8% | 82.7%-51.9pp | 78.2%-47.4pp | 80.3%-49.5pp |
| Annual return | 17.83% | 61.43%-43.6pp | 64.92%-47.1pp | 551.85%-534.0pp |
| Employer contribution / active EE | $707 | $5,315-86.7% | $4,675-84.9% | $4,662-84.8% |
| Participant deferral / active EE | $1,926 | $6,467-70.2% | $5,630-65.8% | $6,690-71.2% |
| Admin fee / account holder | $786 | $19,293-95.9% | $15,900-95.1% | $13,392-94.1% |