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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 | $355,443 | $175,231+102.8% | $149,696+137.4% | $139,466+154.9% |
| Participation rate | 54.5% | 83.4%-28.8pp | 78.8%-24.2pp | 80.3%-25.8pp |
| Annual return | 13.22% | 166.77%-153.6pp | 134.46%-121.2pp | 373.66%-360.4pp |
| Employer contribution / active EE | $975 | $5,478-82.2% | $4,821-79.8% | $4,754-79.5% |
| Participant deferral / active EE | $6,887 | $6,521+5.6% | $5,682+21.2% | $6,712+2.6% |
| Admin fee / account holder | $2,807 | $16,155-82.6% | $13,212-78.8% | $11,409-75.4% |