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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 | $269,069 | $65,041+313.7% | $90,965+195.8% | $79,858+236.9% |
| Participation rate | 51.6% | 61.6%-10.0pp | 69.0%-17.4pp | 69.6%-18.0pp |
| Annual return | 27.84% | 30.45%-2.6pp | 134.57%-106.7pp | 31.72%-3.9pp |
| Employer contribution / active EE | $66 | $1,247-94.7% | $2,122-96.9% | $2,471-97.3% |
| Participant deferral / active EE | $2,944 | $2,512+17.2% | $3,373-12.7% | $3,740-21.3% |
| Admin fee / account holder | $5,033 | $4,536+11.0% | $5,960-15.5% | $5,306-5.1% |