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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 | $264,431 | $95,453+177.0% | $112,040+136.0% | $82,448+220.7% |
| Participation rate | 22.9% | 72.8%-49.9pp | 76.5%-53.6pp | 68.1%-45.2pp |
| Annual return | 16.31% | 23.92%-7.6pp | 24.52%-8.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $359 | $2,318-84.5% | $2,954-87.8% | $2,551-85.9% |
| Participant deferral / active EE | $2,095 | $4,224-50.4% | $5,098-58.9% | $4,139-49.4% |
| Admin fee / account holder | $2,343 | $9,013-74.0% | $12,098-80.6% | $7,234-67.6% |