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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 | $292,277 | $81,487+258.7% | $102,412+185.4% | $80,935+261.1% |
| Participation rate | 8.3% | 66.8%-58.5pp | 74.5%-66.2pp | 67.7%-59.3pp |
| Annual return | 14.40% | 25.60%-11.2pp | 24.94%-10.5pp | 35.66%-21.3pp |
| Employer contribution / active EE | $471 | $3,103-84.8% | $3,870-87.8% | $2,757-82.9% |
| Participant deferral / active EE | $2,460 | $3,871-36.4% | $5,060-51.4% | $4,299-42.8% |
| Admin fee / account holder | $1,324 | $6,717-80.3% | $8,388-84.2% | $6,924-80.9% |