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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 | $295,554 | $185,312+59.5% | $161,489+83.0% | $154,746+91.0% |
| Participation rate | 45.5% | 82.5%-37.0pp | 78.7%-33.2pp | 80.7%-35.2pp |
| Annual return | 13.04% | 103.84%-90.8pp | 89.72%-76.7pp | 172.34%-159.3pp |
| Employer contribution / active EE | $197 | $4,769-95.9% | $4,268-95.4% | $4,379-95.5% |
| Participant deferral / active EE | $3,293 | $6,350-48.1% | $5,630-41.5% | $6,730-51.1% |
| Admin fee / account holder | $3,733 | $18,654-80.0% | $16,006-76.7% | $14,365-74.0% |