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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 | $286,096 | $154,228+85.5% | $145,433+96.7% | $137,256+108.4% |
| Participation rate | 52.6% | 83.8%-31.2pp | 82.1%-29.5pp | 80.0%-27.3pp |
| Annual return | 17.44% | 74.59%-57.1pp | 66.58%-49.1pp | 220.34%-202.9pp |
| Employer contribution / active EE | $5 | $4,804-99.9% | $4,554-99.9% | $4,156-99.9% |
| Participant deferral / active EE | $13,267 | $8,216+61.5% | $7,897+68.0% | $6,407+107.1% |
| Admin fee / account holder | $7,868 | $14,344-45.1% | $13,129-40.1% | $12,270-35.9% |