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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 | $413,300 | $181,062+128.3% | $158,223+161.2% | $155,188+166.3% |
| Participation rate | 12.5% | 82.7%-70.2pp | 79.2%-66.7pp | 80.8%-68.3pp |
| Annual return | 13.01% | 57.39%-44.4pp | 52.09%-39.1pp | 148.84%-135.8pp |
| Employer contribution / active EE | $606 | $4,565-86.7% | $4,109-85.2% | $4,248-85.7% |
| Participant deferral / active EE | $3,000 | $6,134-51.1% | $5,467-45.1% | $6,531-54.1% |
| Admin fee / account holder | $3,370 | $18,825-82.1% | $16,047-79.0% | $14,480-76.7% |