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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 | $319,667 | $81,487+292.3% | $102,412+212.1% | $80,935+295.0% |
| Participation rate | 53.8% | 66.8%-13.0pp | 74.5%-20.7pp | 67.7%-13.8pp |
| Annual return | 22.07% | 25.60%-3.5pp | 24.94%-2.9pp | 35.66%-13.6pp |
| Employer contribution / active EE | $549 | $3,103-82.3% | $3,870-85.8% | $2,757-80.1% |
| Participant deferral / active EE | $5,399 | $3,871+39.5% | $5,060+6.7% | $4,299+25.6% |
| Admin fee / account holder | $4,894 | $6,717-27.1% | $8,388-41.7% | $6,924-29.3% |