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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 | $260,906 | $148,629+75.5% | $135,982+91.9% | $139,487+87.0% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 20.54% | 79.33%-58.8pp | 68.32%-47.8pp | 373.84%-353.3pp |
| Employer contribution / active EE | $963 | $5,247-81.6% | $4,859-80.2% | $4,755-79.7% |
| Participant deferral / active EE | $6,330 | $8,102-21.9% | $7,760-18.4% | $6,713-5.7% |
| Admin fee / account holder | $4,718 | $12,406-62.0% | $10,767-56.2% | $11,407-58.6% |