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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 | $283,288 | $124,425+127.7% | $112,040+152.8% | $137,256+106.4% |
| Participation rate | 57.1% | 79.3%-22.2pp | 76.5%-19.3pp | 80.0%-22.8pp |
| Annual return | 13.56% | 24.72%-11.2pp | 24.52%-11.0pp | 220.34%-206.8pp |
| Employer contribution / active EE | $740 | $3,411-78.3% | $2,954-75.0% | $4,156-82.2% |
| Participant deferral / active EE | $9,900 | $5,718+73.1% | $5,098+94.2% | $6,407+54.5% |
| Admin fee / account holder | $1,651 | $15,207-89.1% | $12,098-86.4% | $12,270-86.5% |