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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 | $321,183 | $117,846+172.5% | $102,434+213.6% | $145,884+120.2% |
| Participation rate | 37.5% | 78.6%-41.1pp | 76.5%-39.0pp | 80.3%-42.8pp |
| Annual return | 13.80% | 31.90%-18.1pp | 29.46%-15.7pp | 551.85%-538.0pp |
| Employer contribution / active EE | $435 | $3,615-88.0% | $3,023-85.6% | $4,662-90.7% |
| Participant deferral / active EE | $2,389 | $5,733-58.3% | $5,055-52.7% | $6,690-64.3% |
| Admin fee / account holder | $15,030 | $13,356+12.5% | $9,462+58.8% | $13,392+12.2% |