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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 | $391,623 | $174,379+124.6% | $152,093+157.5% | $138,895+182.0% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 11.95% | 74.86%-62.9pp | 66.36%-54.4pp | 145.39%-133.4pp |
| Employer contribution / active EE | $565 | $4,652-87.9% | $4,175-86.5% | $4,194-86.5% |
| Participant deferral / active EE | $3,148 | $6,159-48.9% | $5,451-42.2% | $6,396-50.8% |
| Admin fee / account holder | $11,096 | $16,880-34.3% | $14,497-23.5% | $12,562-11.7% |