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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 | $255,639 | $91,559+179.2% | $133,978+90.8% | $79,856+220.1% |
| Participation rate | 61.8% | 73.3%-11.6pp | 79.8%-18.1pp | 69.6%-7.9pp |
| Annual return | 14.64% | 61.85%-47.2pp | 45.10%-30.5pp | 31.71%-17.1pp |
| Employer contribution / active EE | $549 | $2,384-77.0% | $3,919-86.0% | $2,471-77.8% |
| Participant deferral / active EE | $3,718 | $3,734-0.4% | $5,047-26.3% | $3,741-0.6% |
| Admin fee / account holder | $3,545 | $6,321-43.9% | $8,930-60.3% | $5,306-33.2% |