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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 | $223,823+37.4% | $211,142+45.7% | $154,746+98.7% |
| Participation rate | 33.3% | 87.9%-54.5pp | 87.3%-54.0pp | 80.7%-47.4pp |
| Annual return | 18.26% | 50.39%-32.1pp | 46.84%-28.6pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,040 | $6,787-84.7% | $6,442-83.9% | $4,379-76.3% |
| Participant deferral / active EE | $7,800 | $9,750-20.0% | $9,284-16.0% | $6,730+15.9% |
| Admin fee / account holder | $20,478 | $19,707+3.9% | $19,076+7.4% | $14,365+42.6% |