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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 | $344,429 | $227,399+51.5% | $189,758+81.5% | $198,609+73.4% |
| Participation rate | 27.3% | 84.0%-56.7pp | 79.8%-52.5pp | 82.4%-55.1pp |
| Annual return | 20.49% | 61.03%-40.5pp | 52.62%-32.1pp | 202.70%-182.2pp |
| Employer contribution / active EE | $791 | $5,526-85.7% | $4,767-83.4% | $5,055-84.3% |
| Participant deferral / active EE | $5,673 | $6,837-17.0% | $5,856-3.1% | $6,977-18.7% |
| Admin fee / account holder | $10,864 | $25,162-56.8% | $20,388-46.7% | $19,030-42.9% |