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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 | $299,190 | $175,231+70.7% | $149,696+99.9% | $139,466+114.5% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 22.03% | 166.77%-144.7pp | 134.46%-112.4pp | 373.66%-351.6pp |
| Employer contribution / active EE | $952 | $5,478-82.6% | $4,821-80.3% | $4,754-80.0% |
| Participant deferral / active EE | $5,227 | $6,521-19.8% | $5,682-8.0% | $6,712-22.1% |
| Admin fee / account holder | $3,629 | $16,155-77.5% | $13,212-72.5% | $11,409-68.2% |