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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 | $453,144 | $156,398+189.7% | $147,318+207.6% | $138,895+226.2% |
| Participation rate | 20.0% | 83.8%-63.8pp | 82.1%-62.1pp | 79.9%-59.9pp |
| Annual return | 18.90% | 78.75%-59.8pp | 70.43%-51.5pp | 145.39%-126.5pp |
| Employer contribution / active EE | $800 | $4,853-83.5% | $4,593-82.6% | $4,194-80.9% |
| Participant deferral / active EE | $6,100 | $8,237-25.9% | $7,906-22.8% | $6,396-4.6% |
| Admin fee / account holder | $1,799 | $14,976-88.0% | $13,708-86.9% | $12,562-85.7% |