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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 | $346,340 | $129,737+167.0% | $119,126+190.7% | $154,746+123.8% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 18.36% | 379.08%-360.7pp | 282.11%-263.7pp | 172.34%-154.0pp |
| Employer contribution / active EE | $288 | $4,375-93.4% | $4,034-92.9% | $4,379-93.4% |
| Participant deferral / active EE | $6,200 | $5,842+6.1% | $5,318+16.6% | $6,730-7.9% |
| Admin fee / account holder | $3,099 | $11,961-74.1% | $10,693-71.0% | $14,365-78.4% |