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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 | $307,448 | $162,136+89.6% | $152,301+101.9% | $154,746+98.7% |
| Participation rate | 30.0% | 84.1%-54.1pp | 82.4%-52.4pp | 80.7%-50.7pp |
| Annual return | 15.23% | 91.02%-75.8pp | 80.50%-65.3pp | 172.34%-157.1pp |
| Employer contribution / active EE | $514 | $4,890-89.5% | $4,624-88.9% | $4,379-88.3% |
| Participant deferral / active EE | $3,114 | $8,341-62.7% | $8,004-61.1% | $6,730-53.7% |
| Admin fee / account holder | $2,822 | $15,759-82.1% | $14,398-80.4% | $14,365-80.4% |