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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 | $289,172 | $100,147+188.7% | $81,286+255.7% | $145,877+98.2% |
| Participation rate | 21.1% | 74.2%-53.2pp | 69.5%-48.5pp | 80.3%-59.2pp |
| Annual return | 15.19% | 34.44%-19.2pp | 24.80%-9.6pp | 551.28%-536.1pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $2,463-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,387 | $4,607-26.5% | $3,883-12.8% | $6,691-49.4% |
| Admin fee / account holder | $2,963 | $8,201-63.9% | $5,764-48.6% | $13,402-77.9% |