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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 | $253,851 | $183,592+38.3% | $155,567+63.2% | $145,959+73.9% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 22.28% | 61.24%-39.0pp | 64.74%-42.5pp | 561.95%-539.7pp |
| Employer contribution / active EE | $446 | $5,315-91.6% | $4,674-90.5% | $4,661-90.4% |
| Participant deferral / active EE | $4,877 | $6,464-24.6% | $5,628-13.3% | $6,689-27.1% |
| Admin fee / account holder | $4,870 | $19,318-74.8% | $15,916-69.4% | $13,398-63.6% |