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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 | $256,980 | $70,366+265.2% | $66,674+285.4% | $138,895+85.0% |
| Participation rate | 25.0% | 76.2%-51.2pp | 73.7%-48.7pp | 79.9%-54.9pp |
| Annual return | 14.58% | 386.41%-371.8pp | 321.24%-306.7pp | 145.39%-130.8pp |
| Employer contribution / active EE | $319 | $2,765-88.5% | $2,620-87.8% | $4,194-92.4% |
| Participant deferral / active EE | $2,854 | $4,374-34.7% | $4,084-30.1% | $6,396-55.4% |
| Admin fee / account holder | $10,066 | $5,262+91.3% | $5,098+97.4% | $12,562-19.9% |