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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 | $287,252 | $86,949+230.4% | $102,460+180.4% | $80,959+254.8% |
| Participation rate | 32.3% | 72.4%-40.1pp | 76.5%-44.3pp | 67.7%-35.4pp |
| Annual return | 22.24% | 18.89%+3.3pp | 29.47%-7.2pp | 35.67%-13.4pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,433 | $4,121-16.7% | $5,056-32.1% | $4,300-20.2% |
| Admin fee / account holder | $5,530 | $8,048-31.3% | $9,460-41.5% | $6,925-20.2% |