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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 | $436,984 | $172,111+153.9% | $150,298+190.7% | $137,256+218.4% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 12.43% | 69.37%-56.9pp | 62.79%-50.4pp | 220.34%-207.9pp |
| Employer contribution / active EE | $652 | $4,636-85.9% | $4,154-84.3% | $4,156-84.3% |
| Participant deferral / active EE | $2,678 | $6,166-56.6% | $5,453-50.9% | $6,407-58.2% |
| Admin fee / account holder | $1,306 | $16,471-92.1% | $14,116-90.7% | $12,270-89.4% |