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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 | $317,792 | $209,336+51.8% | $197,124+61.2% | $137,256+131.5% |
| Participation rate | 50.0% | 87.3%-37.3pp | 86.7%-36.7pp | 80.0%-30.0pp |
| Annual return | 12.93% | 48.09%-35.2pp | 44.34%-31.4pp | 220.34%-207.4pp |
| Employer contribution / active EE | $953 | $6,591-85.5% | $6,227-84.7% | $4,156-77.1% |
| Participant deferral / active EE | $6,407 | $9,614-33.4% | $9,135-29.9% | $6,4070% |
| Admin fee / account holder | $17,379 | $17,308+0.4% | $16,298+6.6% | $12,270+41.6% |