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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 | $258,889 | $112,729+129.7% | $98,716+162.3% | $137,256+88.6% |
| Participation rate | 57.1% | 74.2%-17.1pp | 69.3%-12.2pp | 80.0%-22.8pp |
| Annual return | 13.40% | 38.48%-25.1pp | 31.81%-18.4pp | 220.34%-206.9pp |
| Employer contribution / active EE | $353 | $2,725-87.1% | $2,279-84.5% | $4,156-91.5% |
| Participant deferral / active EE | $4,602 | $4,640-0.8% | $4,048+13.7% | $6,407-28.2% |
| Admin fee / account holder | $4,283 | $10,129-57.7% | $8,703-50.8% | $12,270-65.1% |