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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 | $280,223 | $183,516+52.7% | $155,534+80.2% | $145,884+92.1% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 12.58% | 61.43%-48.8pp | 64.92%-52.3pp | 551.85%-539.3pp |
| Employer contribution / active EE | $971 | $5,315-81.7% | $4,675-79.2% | $4,662-79.2% |
| Participant deferral / active EE | $6,538 | $6,467+1.1% | $5,630+16.1% | $6,690-2.3% |
| Admin fee / account holder | $2,471 | $19,293-87.2% | $15,900-84.5% | $13,392-81.6% |