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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 | $260,151 | $148,623+75.0% | $135,974+91.3% | $139,466+86.5% |
| Participation rate | 20.0% | 83.9%-63.9pp | 81.9%-61.9pp | 80.3%-60.3pp |
| Annual return | 18.76% | 79.30%-60.5pp | 68.30%-49.5pp | 373.66%-354.9pp |
| Employer contribution / active EE | $872 | $5,246-83.4% | $4,859-82.1% | $4,754-81.7% |
| Participant deferral / active EE | $4,136 | $8,103-49.0% | $7,760-46.7% | $6,712-38.4% |
| Admin fee / account holder | $3,458 | $12,406-72.1% | $10,767-67.9% | $11,409-69.7% |