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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 | $391,082 | $183,516+113.1% | $155,534+151.4% | $145,884+168.1% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 14.47% | 61.43%-47.0pp | 64.92%-50.4pp | 551.85%-537.4pp |
| Employer contribution / active EE | $841 | $5,315-84.2% | $4,675-82.0% | $4,662-82.0% |
| Participant deferral / active EE | $4,579 | $6,467-29.2% | $5,630-18.7% | $6,690-31.5% |
| Admin fee / account holder | $3,911 | $19,293-79.7% | $15,900-75.4% | $13,392-70.8% |