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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 | $274,291 | $171,492+59.9% | $150,734+82.0% | $198,609+38.1% |
| Participation rate | 43.5% | 81.4%-37.9pp | 78.4%-35.0pp | 82.4%-38.9pp |
| Annual return | 17.25% | 804.70%-787.4pp | 600.81%-583.6pp | 202.70%-185.4pp |
| Employer contribution / active EE | $765 | $5,470-86.0% | $4,918-84.4% | $5,055-84.9% |
| Participant deferral / active EE | $3,150 | $6,259-49.7% | $5,610-43.8% | $6,977-54.8% |
| Admin fee / account holder | $1,810 | $17,628-89.7% | $14,905-87.9% | $19,030-90.5% |