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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 | $312,591 | $162,821+92.0% | $133,978+133.3% | $158,982+96.6% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 7.22% | 41.95%-34.7pp | 45.10%-37.9pp | 302.99%-295.8pp |
| Employer contribution / active EE | $480 | $4,976-90.4% | $3,919-87.8% | $4,763-89.9% |
| Participant deferral / active EE | $5,750 | $5,910-2.7% | $5,047+13.9% | $5,983-3.9% |
| Admin fee / account holder | $4,200 | $11,742-64.2% | $8,930-53.0% | $11,252-62.7% |