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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 | $97,550+213.4% | $120,344+154.0% | $87,485+249.4% |
| Participation rate | 34.4% | 72.8%-38.5pp | 76.7%-42.3pp | 68.9%-34.6pp |
| Annual return | 15.41% | 18.41%-3.0pp | 20.30%-4.9pp | 26.06%-10.7pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,462 | $4,230-18.2% | $5,135-32.6% | $4,274-19.0% |
| Admin fee / account holder | $2,259 | $9,543-76.3% | $12,742-82.3% | $7,775-70.9% |