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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 | $60,442+430.7% | $96,754+231.5% | $87,485+266.7% |
| Participation rate | 10.5% | 58.7%-48.2pp | 70.3%-59.7pp | 68.9%-58.4pp |
| Annual return | 14.74% | 21.97%-7.2pp | 82.04%-67.3pp | 26.06%-11.3pp |
| Employer contribution / active EE | $167 | $1,691-90.1% | $2,679-93.8% | $2,596-93.6% |
| Participant deferral / active EE | $1,907 | $3,280-41.9% | $4,758-59.9% | $4,274-55.4% |
| Admin fee / account holder | $1,521 | $5,069-70.0% | $8,905-82.9% | $7,775-80.4% |