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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 | $256,378 | $183,592+39.6% | $155,574+64.8% | $145,877+75.8% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 13.89% | 61.37%-47.5pp | 64.87%-51.0pp | 551.28%-537.4pp |
| Employer contribution / active EE | $907 | $5,317-82.9% | $4,676-80.6% | $4,663-80.5% |
| Participant deferral / active EE | $3,025 | $6,466-53.2% | $5,629-46.3% | $6,691-54.8% |
| Admin fee / account holder | $10,854 | $19,316-43.8% | $15,914-31.8% | $13,402-19.0% |