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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 | $278,351 | $106,247+162.0% | $96,515+188.4% | $139,466+99.6% |
| Participation rate | 25.0% | 77.8%-52.8pp | 74.3%-49.3pp | 80.3%-55.3pp |
| Annual return | 14.07% | 38.47%-24.4pp | 35.73%-21.7pp | 373.66%-359.6pp |
| Employer contribution / active EE | $724 | $4,106-82.4% | $3,740-80.7% | $4,754-84.8% |
| Participant deferral / active EE | $3,570 | $5,456-34.6% | $4,880-26.8% | $6,712-46.8% |
| Admin fee / account holder | $13,086 | $7,885+66.0% | $6,735+94.3% | $11,409+14.7% |