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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 | $251,791 | $81,331+209.6% | $155,534+61.9% | $80,935+211.1% |
| Participation rate | 60.7% | 66.3%-5.5pp | 78.2%-17.5pp | 67.7%-6.9pp |
| Annual return | 22.79% | 33.37%-10.6pp | 64.92%-42.1pp | 35.66%-12.9pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,324 | $3,454-3.8% | $5,630-41.0% | $4,299-22.7% |
| Admin fee / account holder | $24,454 | $7,999+205.7% | $15,900+53.8% | $6,924+253.2% |