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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 | $184,014+47.3% | $161,149+68.1% | $138,895+95.1% |
| Participation rate | 36.4% | 82.1%-45.7pp | 78.8%-42.5pp | 79.9%-43.6pp |
| Annual return | 17.78% | 21.52%-3.7pp | 21.16%-3.4pp | 145.39%-127.6pp |
| Employer contribution / active EE | $839 | $5,055-83.4% | $4,360-80.7% | $4,194-80.0% |
| Participant deferral / active EE | $5,212 | $6,909-24.6% | $6,153-15.3% | $6,396-18.5% |
| Admin fee / account holder | $6,554 | $18,027-63.6% | $15,194-56.9% | $12,562-47.8% |