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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 | $270,961 | $199,109+36.1% | $173,730+56.0% | $154,746+75.1% |
| Participation rate | 36.4% | 82.8%-46.4pp | 79.6%-43.2pp | 80.7%-44.3pp |
| Annual return | 17.78% | 20.02%-2.2pp | 19.96%-2.2pp | 172.34%-154.6pp |
| Employer contribution / active EE | $839 | $5,311-84.2% | $4,577-81.7% | $4,379-80.8% |
| Participant deferral / active EE | $5,212 | $7,113-26.7% | $6,326-17.6% | $6,730-22.6% |
| Admin fee / account holder | $6,554 | $20,916-68.7% | $17,523-62.6% | $14,365-54.4% |