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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 | $604,522 | $172,111+251.2% | $150,298+302.2% | $137,256+340.4% |
| Participation rate | 44.4% | 81.7%-37.3pp | 77.8%-33.3pp | 80.0%-35.5pp |
| Annual return | 11.95% | 69.37%-57.4pp | 62.79%-50.8pp | 220.34%-208.4pp |
| Employer contribution / active EE | $809 | $4,636-82.6% | $4,154-80.5% | $4,156-80.5% |
| Participant deferral / active EE | $3,578 | $6,166-42.0% | $5,453-34.4% | $6,407-44.2% |
| Admin fee / account holder | $7,739 | $16,471-53.0% | $14,116-45.2% | $12,270-36.9% |