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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 | $600,708 | $154,228+289.5% | $145,433+313.0% | $137,256+337.7% |
| Participation rate | 38.5% | 83.8%-45.3pp | 82.1%-43.7pp | 80.0%-41.5pp |
| Annual return | 14.89% | 74.59%-59.7pp | 66.58%-51.7pp | 220.34%-205.4pp |
| Employer contribution / active EE | $256 | $4,804-94.7% | $4,554-94.4% | $4,156-93.8% |
| Participant deferral / active EE | $6,601 | $8,216-19.7% | $7,897-16.4% | $6,407+3.0% |
| Admin fee / account holder | $5,527 | $14,344-61.5% | $13,129-57.9% | $12,270-55.0% |