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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 | $270,856 | $183,539+47.6% | $155,556+74.1% | $145,897+85.6% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 13.62% | 61.31%-47.7pp | 64.84%-51.2pp | 552.29%-538.7pp |
| Employer contribution / active EE | $759 | $5,315-85.7% | $4,675-83.8% | $4,663-83.7% |
| Participant deferral / active EE | $6,116 | $6,467-5.4% | $5,631+8.6% | $6,689-8.6% |
| Admin fee / account holder | $10,311 | $19,275-46.5% | $15,885-35.1% | $13,390-23.0% |