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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 | $213,785+28.1% | $185,441+47.7% | $155,188+76.5% |
| Participation rate | 23.8% | 83.2%-59.4pp | 80.3%-56.5pp | 80.8%-57.0pp |
| Annual return | 14.68% | 19.97%-5.3pp | 20.16%-5.5pp | 148.84%-134.2pp |
| Employer contribution / active EE | $456 | $5,393-91.5% | $4,672-90.2% | $4,248-89.3% |
| Participant deferral / active EE | $3,425 | $6,864-50.1% | $6,152-44.3% | $6,531-47.6% |
| Admin fee / account holder | $9,613 | $21,134-54.5% | $17,890-46.3% | $14,480-33.6% |