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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 | $277,203 | $183,516+51.1% | $155,534+78.2% | $145,884+90.0% |
| Participation rate | 35.7% | 82.7%-47.0pp | 78.2%-42.5pp | 80.3%-44.6pp |
| Annual return | 24.79% | 61.43%-36.6pp | 64.92%-40.1pp | 551.85%-527.1pp |
| Employer contribution / active EE | $998 | $5,315-81.2% | $4,675-78.7% | $4,662-78.6% |
| Participant deferral / active EE | $3,178 | $6,467-50.9% | $5,630-43.6% | $6,690-52.5% |
| Admin fee / account holder | $9,539 | $19,293-50.6% | $15,900-40.0% | $13,392-28.8% |