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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 | $292,929 | $114,119+156.7% | $107,187+173.3% | $138,895+110.9% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 13.34% | 273.21%-259.9pp | 204.55%-191.2pp | 145.39%-132.1pp |
| Employer contribution / active EE | $350 | $4,059-91.4% | $3,782-90.7% | $4,194-91.6% |
| Participant deferral / active EE | $2,930 | $5,538-47.1% | $5,096-42.5% | $6,396-54.2% |
| Admin fee / account holder | $1,503 | $10,024-85.0% | $9,162-83.6% | $12,562-88.0% |