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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 | $111,535+145.9% | $105,223+160.7% | $137,256+99.8% |
| Participation rate | 43.5% | 78.1%-34.6pp | 75.0%-31.6pp | 80.0%-36.5pp |
| Annual return | 17.25% | 237.85%-220.6pp | 180.65%-163.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $765 | $3,939-80.6% | $3,689-79.3% | $4,156-81.6% |
| Participant deferral / active EE | $3,150 | $5,500-42.7% | $5,072-37.9% | $6,407-50.8% |
| Admin fee / account holder | $1,810 | $9,721-81.4% | $8,859-79.6% | $12,270-85.2% |