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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 | $515,656 | $183,592+180.9% | $155,574+231.5% | $145,877+253.5% |
| Participation rate | 54.5% | 82.7%-28.2pp | 78.2%-23.7pp | 80.3%-25.8pp |
| Annual return | 21.32% | 61.37%-40.1pp | 64.87%-43.5pp | 551.28%-530.0pp |
| Employer contribution / active EE | $965 | $5,317-81.8% | $4,676-79.4% | $4,663-79.3% |
| Participant deferral / active EE | $6,048 | $6,466-6.5% | $5,629+7.4% | $6,691-9.6% |
| Admin fee / account holder | $6,096 | $19,316-68.4% | $15,914-61.7% | $13,402-54.5% |