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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 | $291,631 | $111,814+160.8% | $103,374+182.1% | $145,959+99.8% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 10.29% | 24.77%-14.5pp | 24.89%-14.6pp | 561.95%-551.7pp |
| Employer contribution / active EE | $782 | $4,214-81.4% | $3,869-79.8% | $4,661-83.2% |
| Participant deferral / active EE | $2,521 | $5,618-55.1% | $5,058-50.2% | $6,689-62.3% |
| Admin fee / account holder | $4,566 | $9,754-53.2% | $8,394-45.6% | $13,398-65.9% |