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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 | $360,104 | $77,814+362.8% | $158,223+127.6% | $86,983+314.0% |
| Participation rate | 60.7% | 68.4%-7.7pp | 79.2%-18.5pp | 69.5%-8.8pp |
| Annual return | 21.16% | 30.54%-9.4pp | 52.09%-30.9pp | 25.83%-4.7pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,040 | $3,270-7.0% | $5,467-44.4% | $4,194-27.5% |
| Admin fee / account holder | $637 | $5,879-89.2% | $16,047-96.0% | $7,856-91.9% |