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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 | $317,518 | $176,120+80.3% | $159,487+99.1% | $167,553+89.5% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 16.91% | 331.95%-315.0pp | 263.71%-246.8pp | 478.89%-462.0pp |
| Employer contribution / active EE | $240 | $5,299-95.5% | $4,831-95.0% | $4,840-95.0% |
| Participant deferral / active EE | $9,270 | $7,752+19.6% | $7,354+26.1% | $6,343+46.2% |
| Admin fee / account holder | $427 | $12,561-96.6% | $10,804-96.0% | $12,316-96.5% |