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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 | $384,107 | $181,062+112.1% | $158,223+142.8% | $155,188+147.5% |
| Participation rate | 57.1% | 82.7%-25.5pp | 79.2%-22.1pp | 80.8%-23.7pp |
| Annual return | 15.32% | 57.39%-42.1pp | 52.09%-36.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $699 | $4,565-84.7% | $4,109-83.0% | $4,248-83.5% |
| Participant deferral / active EE | $9,454 | $6,134+54.1% | $5,467+72.9% | $6,531+44.7% |
| Admin fee / account holder | $2,364 | $18,825-87.4% | $16,047-85.3% | $14,480-83.7% |