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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 | $172,111+75.6% | $150,298+101.1% | $137,256+120.2% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 16.87% | 69.37%-52.5pp | 62.79%-45.9pp | 220.34%-203.5pp |
| Employer contribution / active EE | $713 | $4,636-84.6% | $4,154-82.8% | $4,156-82.9% |
| Participant deferral / active EE | $4,662 | $6,166-24.4% | $5,453-14.5% | $6,407-27.2% |
| Admin fee / account holder | $2,102 | $16,471-87.2% | $14,116-85.1% | $12,270-82.9% |