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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 | $258,147 | $152,394+69.4% | $124,067+108.1% | $155,188+66.3% |
| Participation rate | 50.0% | 68.8%-18.8pp | 66.9%-16.9pp | 80.8%-30.8pp |
| Annual return | 16.11% | 34.93%-18.8pp | 31.06%-14.9pp | 148.84%-132.7pp |
| Employer contribution / active EE | $0 | $2,398-100.0% | $2,166-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,329 | $3,823-39.1% | $3,463-32.8% | $6,531-64.3% |
| Admin fee / account holder | $1,874 | $6,949-73.0% | $7,351-74.5% | $14,480-87.1% |