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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 | $376,883 | $76,407+393.3% | $150,298+150.8% | $82,448+357.1% |
| Participation rate | 17.9% | 66.4%-48.5pp | 77.8%-59.9pp | 68.1%-50.2pp |
| Annual return | 19.15% | 39.99%-20.8pp | 62.79%-43.6pp | 41.64%-22.5pp |
| Employer contribution / active EE | $299 | $2,614-88.6% | $4,154-92.8% | $2,551-88.3% |
| Participant deferral / active EE | $1,113 | $3,214-65.4% | $5,453-79.6% | $4,139-73.1% |
| Admin fee / account holder | $876 | $6,352-86.2% | $14,116-93.8% | $7,234-87.9% |