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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 | $291,917 | $112,729+159.0% | $98,716+195.7% | $137,256+112.7% |
| Participation rate | 58.8% | 74.2%-15.4pp | 69.3%-10.5pp | 80.0%-21.1pp |
| Annual return | 13.90% | 38.48%-24.6pp | 31.81%-17.9pp | 220.34%-206.4pp |
| Employer contribution / active EE | $401 | $2,725-85.3% | $2,279-82.4% | $4,156-90.4% |
| Participant deferral / active EE | $7,766 | $4,640+67.4% | $4,048+91.9% | $6,407+21.2% |
| Admin fee / account holder | $19,702 | $10,129+94.5% | $8,703+126.4% | $12,270+60.6% |