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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 | $363,636 | $254,759+42.7% | $216,567+67.9% | $198,609+83.1% |
| Participation rate | 62.5% | 84.5%-22.0pp | 81.6%-19.1pp | 82.4%-19.9pp |
| Annual return | 9.87% | 10.04%-0.2pp | 12.94%-3.1pp | 202.70%-192.8pp |
| Employer contribution / active EE | $922 | $6,096-84.9% | $5,216-82.3% | $5,055-81.8% |
| Participant deferral / active EE | $9,220 | $6,948+32.7% | $6,191+48.9% | $6,977+32.1% |
| Admin fee / account holder | $40,366 | $26,311+53.4% | $21,981+83.6% | $19,030+112.1% |