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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 | $181,062+63.2% | $158,223+86.8% | $155,188+90.4% |
| Participation rate | 45.5% | 82.7%-37.2pp | 79.2%-33.7pp | 80.8%-35.3pp |
| Annual return | 13.04% | 57.39%-44.3pp | 52.09%-39.0pp | 148.84%-135.8pp |
| Employer contribution / active EE | $197 | $4,565-95.7% | $4,109-95.2% | $4,248-95.4% |
| Participant deferral / active EE | $3,293 | $6,134-46.3% | $5,467-39.8% | $6,531-49.6% |
| Admin fee / account holder | $3,733 | $18,825-80.2% | $16,047-76.7% | $14,480-74.2% |