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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 | $301,998 | $114,712+163.3% | $173,730+73.8% | $87,485+245.2% |
| Participation rate | 64.0% | 73.0%-9.0pp | 79.6%-15.6pp | 68.9%-4.9pp |
| Annual return | 12.27% | 20.18%-7.9pp | 19.96%-7.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $776 | $2,904-73.3% | $4,577-83.1% | $2,596-70.1% |
| Participant deferral / active EE | $4,224 | $4,642-9.0% | $6,326-33.2% | $4,274-1.2% |
| Admin fee / account holder | $6,260 | $10,210-38.7% | $17,523-64.3% | $7,775-19.5% |