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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 | $281,166 | $101,950+175.8% | $125,529+124.0% | $86,983+223.2% |
| Participation rate | 46.2% | 70.2%-24.0pp | 74.7%-28.6pp | 69.5%-23.4pp |
| Annual return | 17.76% | 18.29%-0.5pp | 202.56%-184.8pp | 25.83%-8.1pp |
| Employer contribution / active EE | $438 | $2,358-81.4% | $3,058-85.7% | $2,584-83.1% |
| Participant deferral / active EE | $4,377 | $3,862+13.3% | $4,813-9.0% | $4,194+4.4% |
| Admin fee / account holder | $1,478 | $12,791-88.4% | $16,298-90.9% | $7,856-81.2% |