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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 | $383,001 | $148,582+157.8% | $135,942+181.7% | $139,456+174.6% |
| Participation rate | 17.6% | 83.9%-66.2pp | 81.9%-64.3pp | 80.3%-62.7pp |
| Annual return | 23.18% | 79.26%-56.1pp | 68.28%-45.1pp | 373.45%-350.3pp |
| Employer contribution / active EE | $322 | $5,245-93.9% | $4,858-93.4% | $4,753-93.2% |
| Participant deferral / active EE | $3,537 | $8,101-56.3% | $7,759-54.4% | $6,711-47.3% |
| Admin fee / account holder | $2,311 | $12,402-81.4% | $10,764-78.5% | $11,407-79.7% |