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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 | $280,137 | $167,415+67.3% | $140,514+99.4% | $198,609+41.0% |
| Participation rate | 25.0% | 80.9%-55.9pp | 77.8%-52.8pp | 82.4%-57.4pp |
| Annual return | 11.99% | 13.85%-1.9pp | 14.36%-2.4pp | 202.70%-190.7pp |
| Employer contribution / active EE | $921 | $4,088-77.5% | $3,378-72.7% | $5,055-81.8% |
| Participant deferral / active EE | $3,660 | $5,579-34.4% | $4,919-25.6% | $6,977-47.5% |
| Admin fee / account holder | $4,007 | $16,730-76.0% | $13,697-70.7% | $19,030-78.9% |