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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 | $269,220 | $160,070+68.2% | $147,117+83.0% | $145,897+84.5% |
| Participation rate | 34.8% | 84.0%-49.2pp | 82.2%-47.4pp | 80.3%-45.5pp |
| Annual return | 18.07% | 98.69%-80.6pp | 420.54%-402.5pp | 552.29%-534.2pp |
| Employer contribution / active EE | $1,002 | $5,285-81.0% | $4,932-79.7% | $4,663-78.5% |
| Participant deferral / active EE | $3,672 | $8,419-56.4% | $8,065-54.5% | $6,689-45.1% |
| Admin fee / account holder | $466 | $15,035-96.9% | $12,993-96.4% | $13,390-96.5% |