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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 | $255,083 | $227,399+12.2% | $189,758+34.4% | $198,609+28.4% |
| Participation rate | 55.6% | 84.0%-28.4pp | 79.8%-24.2pp | 82.4%-26.8pp |
| Annual return | 15.65% | 61.03%-45.4pp | 52.62%-37.0pp | 202.70%-187.0pp |
| Employer contribution / active EE | $1,084 | $5,526-80.4% | $4,767-77.3% | $5,055-78.6% |
| Participant deferral / active EE | $4,964 | $6,837-27.4% | $5,856-15.2% | $6,977-28.8% |
| Admin fee / account holder | $7,366 | $25,162-70.7% | $20,388-63.9% | $19,030-61.3% |