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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 | $268,008 | $138,312+93.8% | $122,979+117.9% | $155,188+72.7% |
| Participation rate | 44.4% | 80.2%-35.8pp | 77.2%-32.7pp | 80.8%-36.4pp |
| Annual return | 14.01% | 22.06%-8.1pp | 20.12%-6.1pp | 148.84%-134.8pp |
| Employer contribution / active EE | $0 | $3,530-100.0% | $3,062-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $5,131 | $5,592-8.2% | $5,003+2.6% | $6,531-21.4% |
| Admin fee / account holder | $11,591 | $15,089-23.2% | $12,864-9.9% | $14,480-20.0% |