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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 | $340,598 | $185,312+83.8% | $161,489+110.9% | $154,746+120.1% |
| Participation rate | 33.3% | 82.5%-49.1pp | 78.7%-45.4pp | 80.7%-47.4pp |
| Annual return | 14.63% | 103.84%-89.2pp | 89.72%-75.1pp | 172.34%-157.7pp |
| Employer contribution / active EE | $586 | $4,769-87.7% | $4,268-86.3% | $4,379-86.6% |
| Participant deferral / active EE | $6,500 | $6,350+2.4% | $5,630+15.5% | $6,730-3.4% |
| Admin fee / account holder | $1,686 | $18,654-91.0% | $16,006-89.5% | $14,365-88.3% |