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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 | $320,773 | $63,949+401.6% | $129,031+148.6% | $94,015+241.2% |
| Participation rate | 10.5% | 63.4%-52.9pp | 73.4%-62.8pp | 70.8%-60.3pp |
| Annual return | 14.74% | 17.56%-2.8pp | 34.67%-19.9pp | 17.84%-3.1pp |
| Employer contribution / active EE | $167 | $1,865-91.0% | $3,226-94.8% | $2,790-94.0% |
| Participant deferral / active EE | $1,907 | $3,686-48.3% | $5,217-63.4% | $4,249-55.1% |
| Admin fee / account holder | $1,521 | $5,523-72.5% | $13,208-88.5% | $8,951-83.0% |