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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 | $348,334 | $81,358+328.1% | $155,556+123.9% | $80,959+330.3% |
| Participation rate | 32.0% | 66.3%-34.3pp | 78.2%-46.2pp | 67.7%-35.7pp |
| Annual return | 13.56% | 33.39%-19.8pp | 64.84%-51.3pp | 35.67%-22.1pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,666 | $3,455+64.0% | $5,631+0.6% | $4,300+31.8% |
| Admin fee / account holder | $3,762 | $7,994-52.9% | $15,885-76.3% | $6,925-45.7% |