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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 | $279,893 | $156,398+79.0% | $147,318+90.0% | $138,895+101.5% |
| Participation rate | 28.6% | 83.8%-55.2pp | 82.1%-53.5pp | 79.9%-51.3pp |
| Annual return | 14.91% | 78.75%-63.8pp | 70.43%-55.5pp | 145.39%-130.5pp |
| Employer contribution / active EE | $46 | $4,853-99.0% | $4,593-99.0% | $4,194-98.9% |
| Participant deferral / active EE | $4,000 | $8,237-51.4% | $7,906-49.4% | $6,396-37.5% |
| Admin fee / account holder | $861 | $14,976-94.2% | $13,708-93.7% | $12,562-93.1% |