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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 | $293,207 | $106,280+175.9% | $96,538+203.7% | $139,487+110.2% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 13.93% | 38.48%-24.6pp | 35.74%-21.8pp | 373.84%-359.9pp |
| Employer contribution / active EE | $672 | $4,107-83.6% | $3,740-82.0% | $4,755-85.9% |
| Participant deferral / active EE | $10,000 | $5,457+83.3% | $4,880+104.9% | $6,713+49.0% |
| Admin fee / account holder | $3,247 | $7,888-58.8% | $6,737-51.8% | $11,407-71.5% |