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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 | $302,260 | $185,312+63.1% | $161,489+87.2% | $154,746+95.3% |
| Participation rate | 33.3% | 82.5%-49.1pp | 78.7%-45.4pp | 80.7%-47.4pp |
| Annual return | 16.87% | 103.84%-87.0pp | 89.72%-72.8pp | 172.34%-155.5pp |
| Employer contribution / active EE | $713 | $4,769-85.1% | $4,268-83.3% | $4,379-83.7% |
| Participant deferral / active EE | $4,662 | $6,350-26.6% | $5,630-17.2% | $6,730-30.7% |
| Admin fee / account holder | $2,102 | $18,654-88.7% | $16,006-86.9% | $14,365-85.4% |