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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $465,068 | $337,865+37.6% | $346,182+34.3% | $254,542+82.7% |
| Participation rate | 66.7% | 56.9%+9.8pp | 52.1%+14.5pp | 47.4%+19.3pp |
| Annual return | 18.89% | 12.82%+6.1pp | 13.48%+5.4pp | 12.16%+6.7pp |
| Employer contribution / active EE | $68,433 | $49,622+37.9% | $47,067+45.4% | $44,747+52.9% |
| Participant deferral / active EE | $0 | $174-100.0% | $200-100.0% | $170-100.0% |
| Admin fee / account holder | $5,048 | $14,867-66.0% | $14,572-65.4% | $17,640-71.4% |