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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 | $270,661 | $201,372+34.4% | $184,260+46.9% | $145,884+85.5% |
| Participation rate | 42.9% | 87.5%-44.6pp | 86.8%-44.0pp | 80.3%-37.4pp |
| Annual return | 13.11% | 29.04%-15.9pp | 28.84%-15.7pp | 551.85%-538.7pp |
| Employer contribution / active EE | $1,317 | $7,024-81.2% | $6,427-79.5% | $4,662-71.8% |
| Participant deferral / active EE | $7,129 | $9,808-27.3% | $9,133-21.9% | $6,690+6.6% |
| Admin fee / account holder | $1,168 | $16,362-92.9% | $13,898-91.6% | $13,392-91.3% |