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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 | $259,620 | $108,825+138.6% | $156,181+66.2% | $82,448+214.9% |
| Participation rate | 59.0% | 72.4%-13.4pp | 78.8%-19.9pp | 68.1%-9.1pp |
| Annual return | 15.94% | 20.59%-4.6pp | 64.87%-48.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $553 | $2,870-80.7% | $4,294-87.1% | $2,551-78.3% |
| Participant deferral / active EE | $3,142 | $4,577-31.4% | $6,132-48.8% | $4,139-24.1% |
| Admin fee / account holder | $11,840 | $9,341+26.8% | $14,586-18.8% | $7,234+63.7% |