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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 | $406,489 | $174,379+133.1% | $152,093+167.3% | $138,895+192.7% |
| Participation rate | 45.5% | 81.6%-36.2pp | 77.8%-32.3pp | 79.9%-34.5pp |
| Annual return | 15.53% | 74.86%-59.3pp | 66.36%-50.8pp | 145.39%-129.9pp |
| Employer contribution / active EE | $147 | $4,652-96.8% | $4,175-96.5% | $4,194-96.5% |
| Participant deferral / active EE | $5,588 | $6,159-9.3% | $5,451+2.5% | $6,396-12.6% |
| Admin fee / account holder | $4,643 | $16,880-72.5% | $14,497-68.0% | $12,562-63.0% |