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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 | $253,085 | $95,453+165.1% | $112,040+125.9% | $82,448+207.0% |
| Participation rate | 24.4% | 72.8%-48.4pp | 76.5%-52.1pp | 68.1%-43.7pp |
| Annual return | 16.23% | 23.92%-7.7pp | 24.52%-8.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $342 | $2,318-85.3% | $2,954-88.4% | $2,551-86.6% |
| Participant deferral / active EE | $2,677 | $4,224-36.6% | $5,098-47.5% | $4,139-35.3% |
| Admin fee / account holder | $7,847 | $9,013-12.9% | $12,098-35.1% | $7,234+8.5% |