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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 | $324,586 | $150,435+115.8% | $120,580+169.2% | $145,897+122.5% |
| Participation rate | 41.2% | 78.8%-37.6pp | 72.0%-30.8pp | 80.3%-39.1pp |
| Annual return | 10.92% | 154.60%-143.7pp | 107.48%-96.6pp | 552.29%-541.4pp |
| Employer contribution / active EE | $600 | $4,352-86.2% | $3,469-82.7% | $4,663-87.1% |
| Participant deferral / active EE | $1,582 | $6,174-74.4% | $4,995-68.3% | $6,689-76.3% |
| Admin fee / account holder | $1,418 | $12,182-88.4% | $9,418-84.9% | $13,390-89.4% |