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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 | $301,124 | $124,330+142.2% | $109,173+175.8% | $167,536+79.7% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 17.58% | 26.04%-8.5pp | 25.75%-8.2pp | 478.82%-461.2pp |
| Employer contribution / active EE | $774 | $4,209-81.6% | $3,723-79.2% | $4,839-84.0% |
| Participant deferral / active EE | $1,768 | $5,256-66.4% | $4,654-62.0% | $6,342-72.1% |
| Admin fee / account holder | $12,267 | $7,974+53.8% | $6,755+81.6% | $12,315-0.4% |