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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 | $273,893 | $199,109+37.6% | $173,730+57.7% | $154,746+77.0% |
| Participation rate | 23.8% | 82.8%-59.0pp | 79.6%-55.8pp | 80.7%-56.9pp |
| Annual return | 14.68% | 20.02%-5.3pp | 19.96%-5.3pp | 172.34%-157.7pp |
| Employer contribution / active EE | $456 | $5,311-91.4% | $4,577-90.0% | $4,379-89.6% |
| Participant deferral / active EE | $3,425 | $7,113-51.8% | $6,326-45.9% | $6,730-49.1% |
| Admin fee / account holder | $9,613 | $20,916-54.0% | $17,523-45.1% | $14,365-33.1% |