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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 | $365,022 | $160,070+128.0% | $147,117+148.1% | $145,897+150.2% |
| Participation rate | 30.0% | 84.0%-54.0pp | 82.2%-52.2pp | 80.3%-50.3pp |
| Annual return | 13.49% | 98.69%-85.2pp | 420.54%-407.1pp | 552.29%-538.8pp |
| Employer contribution / active EE | $294 | $5,285-94.4% | $4,932-94.0% | $4,663-93.7% |
| Participant deferral / active EE | $4,040 | $8,419-52.0% | $8,065-49.9% | $6,689-39.6% |
| Admin fee / account holder | $452 | $15,035-97.0% | $12,993-96.5% | $13,390-96.6% |