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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 | $415,949 | $175,257+137.3% | $149,717+177.8% | $139,456+198.3% |
| Participation rate | 63.6% | 83.4%-19.8pp | 78.8%-15.1pp | 80.3%-16.7pp |
| Annual return | 24.06% | 166.70%-142.6pp | 134.41%-110.3pp | 373.45%-349.4pp |
| Employer contribution / active EE | $997 | $5,477-81.8% | $4,820-79.3% | $4,753-79.0% |
| Participant deferral / active EE | $6,038 | $6,521-7.4% | $5,682+6.3% | $6,711-10.0% |
| Admin fee / account holder | $4,727 | $16,156-70.7% | $13,213-64.2% | $11,407-58.6% |