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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 | $305,714 | $154,228+98.2% | $145,433+110.2% | $137,256+122.7% |
| Participation rate | 36.4% | 83.8%-47.4pp | 82.1%-45.8pp | 80.0%-43.6pp |
| Annual return | 14.99% | 74.59%-59.6pp | 66.58%-51.6pp | 220.34%-205.4pp |
| Employer contribution / active EE | $652 | $4,804-86.4% | $4,554-85.7% | $4,156-84.3% |
| Participant deferral / active EE | $6,565 | $8,216-20.1% | $7,897-16.9% | $6,407+2.5% |
| Admin fee / account holder | $4,792 | $14,344-66.6% | $13,129-63.5% | $12,270-60.9% |