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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 | $347,014 | $88,996+289.9% | $78,004+344.9% | $138,895+149.8% |
| Participation rate | 25.0% | 74.4%-49.4pp | 69.4%-44.4pp | 79.9%-54.9pp |
| Annual return | 12.10% | 28.03%-15.9pp | 31.07%-19.0pp | 145.39%-133.3pp |
| Employer contribution / active EE | $396 | $2,917-86.4% | $2,469-83.9% | $4,194-90.6% |
| Participant deferral / active EE | $5,383 | $4,724+13.9% | $4,092+31.6% | $6,396-15.8% |
| Admin fee / account holder | $5,584 | $8,807-36.6% | $7,578-26.3% | $12,562-55.6% |