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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 | $261,437 | $100,073+161.2% | $85,126+207.1% | $145,877+79.2% |
| Participation rate | 28.6% | 74.1%-45.5pp | 67.5%-39.0pp | 80.3%-51.7pp |
| Annual return | 8.61% | 84.11%-75.5pp | 66.63%-58.0pp | 551.28%-542.7pp |
| Employer contribution / active EE | $309 | $3,236-90.5% | $2,731-88.7% | $4,663-93.4% |
| Participant deferral / active EE | $6,857 | $5,294+29.5% | $4,523+51.6% | $6,691+2.5% |
| Admin fee / account holder | $8,676 | $7,261+19.5% | $6,160+40.8% | $13,402-35.3% |