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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 | $256,257 | $136,860+87.2% | $120,344+112.9% | $154,746+65.6% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 16.98% | 21.38%-4.4pp | 20.30%-3.3pp | 172.34%-155.4pp |
| Employer contribution / active EE | $633 | $3,533-82.1% | $3,020-79.1% | $4,379-85.6% |
| Participant deferral / active EE | $2,035 | $5,793-64.9% | $5,135-60.4% | $6,730-69.8% |
| Admin fee / account holder | $1,798 | $15,393-88.3% | $12,742-85.9% | $14,365-87.5% |