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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 | $306,874 | $196,972+55.8% | $182,262+68.4% | $198,609+54.5% |
| Participation rate | 64.3% | 85.7%-21.4pp | 84.2%-19.9pp | 82.4%-18.1pp |
| Annual return | 7.65% | 158.27%-150.6pp | 140.60%-132.9pp | 202.70%-195.1pp |
| Employer contribution / active EE | $892 | $5,364-83.4% | $5,046-82.3% | $5,055-82.4% |
| Participant deferral / active EE | $5,982 | $8,643-30.8% | $8,276-27.7% | $6,977-14.3% |
| Admin fee / account holder | $4,307 | $18,429-76.6% | $16,712-74.2% | $19,030-77.4% |