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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 | $307,555 | $209,336+46.9% | $197,124+56.0% | $137,256+124.1% |
| Participation rate | 33.3% | 87.3%-54.0pp | 86.7%-53.4pp | 80.0%-46.6pp |
| Annual return | 18.26% | 48.09%-29.8pp | 44.34%-26.1pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,040 | $6,591-84.2% | $6,227-83.3% | $4,156-75.0% |
| Participant deferral / active EE | $7,800 | $9,614-18.9% | $9,135-14.6% | $6,407+21.7% |
| Admin fee / account holder | $20,478 | $17,308+18.3% | $16,298+25.6% | $12,270+66.9% |