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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 | $258,210 | $162,812+58.6% | $133,971+92.7% | $158,966+62.4% |
| Participation rate | 47.8% | 83.2%-35.4pp | 79.8%-32.0pp | 82.0%-34.1pp |
| Annual return | 16.28% | 41.94%-25.7pp | 45.09%-28.8pp | 302.95%-286.7pp |
| Employer contribution / active EE | $819 | $4,976-83.5% | $3,919-79.1% | $4,762-82.8% |
| Participant deferral / active EE | $3,609 | $5,910-38.9% | $5,047-28.5% | $5,983-39.7% |
| Admin fee / account holder | $2,338 | $11,741-80.1% | $8,929-73.8% | $11,250-79.2% |