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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 | $263,090 | $174,379+50.9% | $152,093+73.0% | $138,895+89.4% |
| Participation rate | 40.0% | 81.6%-41.6pp | 77.8%-37.8pp | 79.9%-39.9pp |
| Annual return | 34.83% | 74.86%-40.0pp | 66.36%-31.5pp | 145.39%-110.6pp |
| Employer contribution / active EE | $864 | $4,652-81.4% | $4,175-79.3% | $4,194-79.4% |
| Participant deferral / active EE | $2,997 | $6,159-51.3% | $5,451-45.0% | $6,396-53.1% |
| Admin fee / account holder | $2,123 | $16,880-87.4% | $14,497-85.4% | $12,562-83.1% |