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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 | $304,700 | $154,228+97.6% | $145,433+109.5% | $137,256+122.0% |
| Participation rate | 40.0% | 83.8%-43.8pp | 82.1%-42.1pp | 80.0%-40.0pp |
| Annual return | 18.83% | 74.59%-55.8pp | 66.58%-47.7pp | 220.34%-201.5pp |
| Employer contribution / active EE | $824 | $4,804-82.9% | $4,554-81.9% | $4,156-80.2% |
| Participant deferral / active EE | $4,099 | $8,216-50.1% | $7,897-48.1% | $6,407-36.0% |
| Admin fee / account holder | $8,771 | $14,344-38.9% | $13,129-33.2% | $12,270-28.5% |