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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 | $212,386+41.0% | $199,883+49.9% | $138,895+115.7% |
| Participation rate | 53.8% | 87.4%-33.5pp | 86.8%-32.9pp | 79.9%-26.1pp |
| Annual return | 15.63% | 47.75%-32.1pp | 43.81%-28.2pp | 145.39%-129.8pp |
| Employer contribution / active EE | $863 | $6,625-87.0% | $6,261-86.2% | $4,194-79.4% |
| Participant deferral / active EE | $5,155 | $9,617-46.4% | $9,138-43.6% | $6,396-19.4% |
| Admin fee / account holder | $11,782 | $18,233-35.4% | $17,268-31.8% | $12,562-6.2% |