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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 | $185,312+85.9% | $161,489+113.3% | $154,746+122.6% |
| Participation rate | 27.3% | 82.5%-55.2pp | 78.7%-51.4pp | 80.7%-53.4pp |
| Annual return | 20.49% | 103.84%-83.4pp | 89.72%-69.2pp | 172.34%-151.9pp |
| Employer contribution / active EE | $791 | $4,769-83.4% | $4,268-81.5% | $4,379-81.9% |
| Participant deferral / active EE | $5,673 | $6,350-10.7% | $5,630+0.8% | $6,730-15.7% |
| Admin fee / account holder | $10,864 | $18,654-41.8% | $16,006-32.1% | $14,365-24.4% |