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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 | $254,327 | $152,619+66.6% | $125,195+103.1% | $152,909+66.3% |
| Participation rate | 16.7% | 83.3%-66.7pp | 79.8%-63.1pp | 82.5%-65.8pp |
| Annual return | 24.16% | 54.85%-30.7pp | 43.79%-19.6pp | 345.46%-321.3pp |
| Employer contribution / active EE | $680 | $4,947-86.3% | $3,866-82.4% | $4,764-85.7% |
| Participant deferral / active EE | $6,250 | $5,869+6.5% | $4,937+26.6% | $5,851+6.8% |
| Admin fee / account holder | $13,086 | $13,437-2.6% | $9,704+34.8% | $11,601+12.8% |