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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 | $199,109+82.6% | $173,730+109.3% | $154,746+135.0% |
| Participation rate | 62.5% | 82.8%-20.3pp | 79.6%-17.1pp | 80.7%-18.2pp |
| Annual return | 9.87% | 20.02%-10.2pp | 19.96%-10.1pp | 172.34%-162.5pp |
| Employer contribution / active EE | $922 | $5,311-82.6% | $4,577-79.9% | $4,379-78.9% |
| Participant deferral / active EE | $9,220 | $7,113+29.6% | $6,326+45.7% | $6,730+37.0% |
| Admin fee / account holder | $40,366 | $20,916+93.0% | $17,523+130.4% | $14,365+181.0% |