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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 | $374,300 | $88,672+322.1% | $105,223+255.7% | $82,448+354.0% |
| Participation rate | 57.8% | 67.9%-10.1pp | 75.0%-17.3pp | 68.1%-10.3pp |
| Annual return | 18.16% | 30.86%-12.7pp | 180.65%-162.5pp | 41.64%-23.5pp |
| Employer contribution / active EE | $711 | $3,048-76.7% | $3,689-80.7% | $2,551-72.1% |
| Participant deferral / active EE | $7,138 | $4,036+76.9% | $5,072+40.7% | $4,139+72.4% |
| Admin fee / account holder | $2,611 | $7,146-63.5% | $8,859-70.5% | $7,234-63.9% |