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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 | $196,972+45.2% | $182,262+57.0% | $198,609+44.1% |
| Participation rate | 52.6% | 85.7%-33.1pp | 84.2%-31.6pp | 82.4%-29.7pp |
| Annual return | 17.44% | 158.27%-140.8pp | 140.60%-123.2pp | 202.70%-185.3pp |
| Employer contribution / active EE | $5 | $5,364-99.9% | $5,046-99.9% | $5,055-99.9% |
| Participant deferral / active EE | $13,267 | $8,643+53.5% | $8,276+60.3% | $6,977+90.2% |
| Admin fee / account holder | $7,868 | $18,429-57.3% | $16,712-52.9% | $19,030-58.7% |