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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 | $174,379+120.3% | $152,093+152.5% | $138,895+176.5% |
| Participation rate | 57.1% | 81.6%-24.5pp | 77.8%-20.6pp | 79.9%-22.8pp |
| Annual return | 15.32% | 74.86%-59.5pp | 66.36%-51.0pp | 145.39%-130.1pp |
| Employer contribution / active EE | $699 | $4,652-85.0% | $4,175-83.3% | $4,194-83.3% |
| Participant deferral / active EE | $9,454 | $6,159+53.5% | $5,451+73.4% | $6,396+47.8% |
| Admin fee / account holder | $2,364 | $16,880-86.0% | $14,497-83.7% | $12,562-81.2% |