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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 | $295,546 | $134,817+119.2% | $123,973+138.4% | $155,188+90.4% |
| Participation rate | 18.2% | 79.4%-61.2pp | 76.7%-58.5pp | 80.8%-62.6pp |
| Annual return | 18.06% | 515.49%-497.4pp | 388.13%-370.1pp | 148.84%-130.8pp |
| Employer contribution / active EE | $546 | $4,425-87.7% | $4,126-86.8% | $4,248-87.1% |
| Participant deferral / active EE | $2,242 | $5,706-60.7% | $5,247-57.3% | $6,531-65.7% |
| Admin fee / account holder | $4,520 | $13,245-65.9% | $11,799-61.7% | $14,480-68.8% |