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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 | $281,996 | $111,535+152.8% | $105,223+168.0% | $137,256+105.5% |
| Participation rate | 18.2% | 78.1%-59.9pp | 75.0%-56.9pp | 80.0%-61.8pp |
| Annual return | 15.51% | 237.85%-222.3pp | 180.65%-165.1pp | 220.34%-204.8pp |
| Employer contribution / active EE | $389 | $3,939-90.1% | $3,689-89.5% | $4,156-90.6% |
| Participant deferral / active EE | $2,933 | $5,500-46.7% | $5,072-42.2% | $6,407-54.2% |
| Admin fee / account holder | $13,447 | $9,721+38.3% | $8,859+51.8% | $12,270+9.6% |