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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 | $305,697 | $95,453+220.3% | $112,040+172.8% | $82,448+270.8% |
| Participation rate | 34.4% | 72.8%-38.4pp | 76.5%-42.1pp | 68.1%-33.7pp |
| Annual return | 15.41% | 23.92%-8.5pp | 24.52%-9.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,462 | $4,224-18.0% | $5,098-32.1% | $4,139-16.4% |
| Admin fee / account holder | $2,259 | $9,013-74.9% | $12,098-81.3% | $7,234-68.8% |