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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 | $285,651 | $160,040+78.5% | $147,096+94.2% | $145,877+95.8% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 11.36% | 98.49%-87.1pp | 419.75%-408.4pp | 551.28%-539.9pp |
| Employer contribution / active EE | $1,000 | $5,289-81.1% | $4,936-79.7% | $4,663-78.6% |
| Participant deferral / active EE | $4,000 | $8,429-52.5% | $8,071-50.4% | $6,691-40.2% |
| Admin fee / account holder | $2,340 | $15,050-84.5% | $13,005-82.0% | $13,402-82.5% |