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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 | $312,204 | $97,550+220.0% | $120,344+159.4% | $87,485+256.9% |
| Participation rate | 42.3% | 72.8%-30.5pp | 76.7%-34.4pp | 68.9%-26.6pp |
| Annual return | 11.85% | 18.41%-6.6pp | 20.30%-8.5pp | 26.06%-14.2pp |
| Employer contribution / active EE | $534 | $2,291-76.7% | $3,020-82.3% | $2,596-79.5% |
| Participant deferral / active EE | $3,204 | $4,230-24.3% | $5,135-37.6% | $4,274-25.0% |
| Admin fee / account holder | $59,068 | $9,543+519.0% | $12,742+363.6% | $7,775+659.7% |