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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 | $471,022 | $154,228+205.4% | $145,433+223.9% | $137,256+243.2% |
| Participation rate | 11.1% | 83.8%-72.7pp | 82.1%-71.0pp | 80.0%-68.8pp |
| Annual return | 14.47% | 74.59%-60.1pp | 66.58%-52.1pp | 220.34%-205.9pp |
| Employer contribution / active EE | $646 | $4,804-86.6% | $4,554-85.8% | $4,156-84.5% |
| Participant deferral / active EE | $2,562 | $8,216-68.8% | $7,897-67.6% | $6,407-60.0% |
| Admin fee / account holder | $865 | $14,344-94.0% | $13,129-93.4% | $12,270-93.0% |