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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 | $325,911 | $152,612+113.6% | $125,192+160.3% | $152,897+113.2% |
| Participation rate | 64.3% | 83.3%-19.1pp | 79.8%-15.5pp | 82.5%-18.2pp |
| Annual return | 20.64% | 54.85%-34.2pp | 43.79%-23.2pp | 345.43%-324.8pp |
| Employer contribution / active EE | $485 | $4,947-90.2% | $3,866-87.5% | $4,764-89.8% |
| Participant deferral / active EE | $5,505 | $5,868-6.2% | $4,937+11.5% | $5,851-5.9% |
| Admin fee / account holder | $716 | $13,437-94.7% | $9,704-92.6% | $11,599-93.8% |