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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 | $270,297 | $217,432+24.3% | $185,851+45.4% | $167,553+61.3% |
| Participation rate | 20.0% | 86.1%-66.1pp | 81.7%-61.7pp | 82.1%-62.1pp |
| Annual return | 18.93% | 148.43%-129.5pp | 122.11%-103.2pp | 478.89%-460.0pp |
| Employer contribution / active EE | $420 | $5,874-92.9% | $5,168-91.9% | $4,840-91.3% |
| Participant deferral / active EE | $2,950 | $6,357-53.6% | $5,569-47.0% | $6,343-53.5% |
| Admin fee / account holder | $2,493 | $19,820-87.4% | $16,245-84.7% | $12,316-79.8% |