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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 | $100,194+205.1% | $122,979+148.6% | $86,983+251.4% |
| Participation rate | 34.4% | 73.0%-38.6pp | 77.2%-42.8pp | 69.5%-35.2pp |
| Annual return | 15.41% | 16.47%-1.1pp | 20.12%-4.7pp | 25.83%-10.4pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,462 | $4,133-16.2% | $5,003-30.8% | $4,194-17.5% |
| Admin fee / account holder | $2,259 | $10,148-77.7% | $12,864-82.4% | $7,856-71.2% |