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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 | $366,721 | $227,399+61.3% | $189,758+93.3% | $198,609+84.6% |
| Participation rate | 27.3% | 84.0%-56.7pp | 79.8%-52.5pp | 82.4%-55.1pp |
| Annual return | 16.23% | 61.03%-44.8pp | 52.62%-36.4pp | 202.70%-186.5pp |
| Employer contribution / active EE | $1,080 | $5,526-80.5% | $4,767-77.3% | $5,055-78.6% |
| Participant deferral / active EE | $3,379 | $6,837-50.6% | $5,856-42.3% | $6,977-51.6% |
| Admin fee / account holder | $2,482 | $25,162-90.1% | $20,388-87.8% | $19,030-87.0% |