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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 | $324,660 | $199,109+63.1% | $173,730+86.9% | $154,746+109.8% |
| Participation rate | 52.6% | 82.8%-30.2pp | 79.6%-26.9pp | 80.7%-28.1pp |
| Annual return | 18.67% | 20.02%-1.3pp | 19.96%-1.3pp | 172.34%-153.7pp |
| Employer contribution / active EE | $825 | $5,311-84.5% | $4,577-82.0% | $4,379-81.2% |
| Participant deferral / active EE | $2,689 | $7,113-62.2% | $6,326-57.5% | $6,730-60.0% |
| Admin fee / account holder | $11,461 | $20,916-45.2% | $17,523-34.6% | $14,365-20.2% |