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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 | $303,190 | $201,259+50.6% | $184,200+64.6% | $145,959+107.7% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 66.65% | 28.98%+37.7pp | 28.80%+37.9pp | 561.95%-495.3pp |
| Employer contribution / active EE | $1,405 | $7,018-80.0% | $6,424-78.1% | $4,661-69.9% |
| Participant deferral / active EE | $4,329 | $9,806-55.9% | $9,132-52.6% | $6,689-35.3% |
| Admin fee / account holder | $1,535 | $16,372-90.6% | $13,907-89.0% | $13,398-88.5% |