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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 | $258,843 | $88,672+191.9% | $105,223+146.0% | $82,448+213.9% |
| Participation rate | 20.5% | 67.9%-47.4pp | 75.0%-54.6pp | 68.1%-47.6pp |
| Annual return | 14.57% | 30.86%-16.3pp | 180.65%-166.1pp | 41.64%-27.1pp |
| Employer contribution / active EE | $469 | $3,048-84.6% | $3,689-87.3% | $2,551-81.6% |
| Participant deferral / active EE | $1,910 | $4,036-52.7% | $5,072-62.3% | $4,139-53.9% |
| Admin fee / account holder | $12,397 | $7,146+73.5% | $8,859+39.9% | $7,234+71.4% |