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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 | $458,575 | $174,379+163.0% | $152,093+201.5% | $138,895+230.2% |
| Participation rate | 33.3% | 81.6%-48.3pp | 77.8%-44.4pp | 79.9%-46.6pp |
| Annual return | 17.48% | 74.86%-57.4pp | 66.36%-48.9pp | 145.39%-127.9pp |
| Employer contribution / active EE | $693 | $4,652-85.1% | $4,175-83.4% | $4,194-83.5% |
| Participant deferral / active EE | $10,542 | $6,159+71.2% | $5,451+93.4% | $6,396+64.8% |
| Admin fee / account holder | $2,155 | $16,880-87.2% | $14,497-85.1% | $12,562-82.8% |