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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 | $292,604 | $181,898+60.9% | $156,552+86.9% | $273,970+6.8% |
| Participation rate | 14.3% | 88.4%-74.1pp | 84.0%-69.7pp | 83.0%-68.7pp |
| Annual return | 12.85% | 30.74%-17.9pp | 32.23%-19.4pp | 41.46%-28.6pp |
| Employer contribution / active EE | $700 | $6,248-88.8% | $5,501-87.3% | $4,869-85.6% |
| Participant deferral / active EE | $2,625 | $5,550-52.7% | $4,871-46.1% | $5,287-50.4% |
| Admin fee / account holder | $1,184 | $15,560-92.4% | $13,028-90.9% | $10,132-88.3% |