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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 | $392,700 | $172,111+128.2% | $150,298+161.3% | $137,256+186.1% |
| Participation rate | 25.0% | 81.7%-56.7pp | 77.8%-52.8pp | 80.0%-55.0pp |
| Annual return | 20.35% | 69.37%-49.0pp | 62.79%-42.4pp | 220.34%-200.0pp |
| Employer contribution / active EE | $600 | $4,636-87.1% | $4,154-85.6% | $4,156-85.6% |
| Participant deferral / active EE | $5,750 | $6,166-6.7% | $5,453+5.5% | $6,407-10.3% |
| Admin fee / account holder | $1,647 | $16,471-90.0% | $14,116-88.3% | $12,270-86.6% |