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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 | $299,571 | $209,336+43.1% | $197,124+52.0% | $137,256+118.3% |
| Participation rate | 53.8% | 87.3%-33.5pp | 86.7%-32.9pp | 80.0%-26.1pp |
| Annual return | 15.63% | 48.09%-32.5pp | 44.34%-28.7pp | 220.34%-204.7pp |
| Employer contribution / active EE | $863 | $6,591-86.9% | $6,227-86.1% | $4,156-79.2% |
| Participant deferral / active EE | $5,155 | $9,614-46.4% | $9,135-43.6% | $6,407-19.5% |
| Admin fee / account holder | $11,782 | $17,308-31.9% | $16,298-27.7% | $12,270-4.0% |