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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 | $393,081 | $124,425+215.9% | $112,040+250.8% | $137,256+186.4% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 11.85% | 24.72%-12.9pp | 24.52%-12.7pp | 220.34%-208.5pp |
| Employer contribution / active EE | $333 | $3,411-90.2% | $2,954-88.7% | $4,156-92.0% |
| Participant deferral / active EE | $6,214 | $5,718+8.7% | $5,098+21.9% | $6,407-3.0% |
| Admin fee / account holder | $10,534 | $15,207-30.7% | $12,098-12.9% | $12,270-14.1% |