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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 | $280,356 | $176,786+58.6% | $146,643+91.2% | $167,536+67.3% |
| Participation rate | 69.2% | 83.6%-14.4pp | 80.1%-10.8pp | 82.1%-12.9pp |
| Annual return | 21.94% | 24.04%-2.1pp | 22.75%-0.8pp | 478.82%-456.9pp |
| Employer contribution / active EE | $894 | $5,161-82.7% | $4,137-78.4% | $4,839-81.5% |
| Participant deferral / active EE | $5,193 | $6,440-19.4% | $5,506-5.7% | $6,342-18.1% |
| Admin fee / account holder | $13,650 | $13,262+2.9% | $10,280+32.8% | $12,315+10.8% |