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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 | $284,164 | $138,312+105.5% | $122,979+131.1% | $155,188+83.1% |
| Participation rate | 16.7% | 80.2%-63.5pp | 77.2%-60.5pp | 80.8%-64.1pp |
| Annual return | 12.26% | 22.06%-9.8pp | 20.12%-7.9pp | 148.84%-136.6pp |
| Employer contribution / active EE | $230 | $3,530-93.5% | $3,062-92.5% | $4,248-94.6% |
| Participant deferral / active EE | $5,167 | $5,592-7.6% | $5,003+3.3% | $6,531-20.9% |
| Admin fee / account holder | $2,104 | $15,089-86.1% | $12,864-83.6% | $14,480-85.5% |