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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 | $360,028 | $217,427+65.6% | $185,837+93.7% | $167,518+114.9% |
| Participation rate | 40.0% | 86.0%-46.0pp | 81.7%-41.7pp | 82.1%-42.1pp |
| Annual return | 10.76% | 148.39%-137.6pp | 122.08%-111.3pp | 478.71%-467.9pp |
| Employer contribution / active EE | $1,167 | $5,874-80.1% | $5,168-77.4% | $4,838-75.9% |
| Participant deferral / active EE | $5,459 | $6,357-14.1% | $5,568-2.0% | $6,342-13.9% |
| Admin fee / account holder | $10,930 | $19,816-44.8% | $16,241-32.7% | $12,312-11.2% |