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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 | $262,660 | $126,661+107.4% | $113,397+131.6% | $138,895+89.1% |
| Participation rate | 56.5% | 79.4%-22.9pp | 76.5%-20.0pp | 79.9%-23.4pp |
| Annual return | 14.47% | 25.05%-10.6pp | 23.20%-8.7pp | 145.39%-130.9pp |
| Employer contribution / active EE | $227 | $3,456-93.4% | $2,977-92.4% | $4,194-94.6% |
| Participant deferral / active EE | $4,763 | $5,693-16.3% | $5,076-6.2% | $6,396-25.5% |
| Admin fee / account holder | $9,214 | $14,549-36.7% | $11,957-22.9% | $12,562-26.6% |