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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 | $348,093 | $275,752+26.2% | $256,809+35.5% | $198,609+75.3% |
| Participation rate | 60.0% | 89.2%-29.2pp | 88.5%-28.5pp | 82.4%-22.4pp |
| Annual return | 15.34% | 34.81%-19.5pp | 32.73%-17.4pp | 202.70%-187.4pp |
| Employer contribution / active EE | $801 | $7,721-89.6% | $7,263-89.0% | $5,055-84.2% |
| Participant deferral / active EE | $6,645 | $10,037-33.8% | $9,520-30.2% | $6,977-4.8% |
| Admin fee / account holder | $2,003 | $25,716-92.2% | $25,146-92.0% | $19,030-89.5% |