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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 | $254,340 | $76,834+231.0% | $108,359+134.7% | $87,485+190.7% |
| Participation rate | 31.8% | 61.7%-29.9pp | 70.1%-38.3pp | 68.9%-37.1pp |
| Annual return | 16.91% | 19.09%-2.2pp | 36.89%-20.0pp | 26.06%-9.2pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,097 | $3,100-0.1% | $4,137-25.1% | $4,274-27.5% |
| Admin fee / account holder | $1,696 | $6,537-74.0% | $9,741-82.6% | $7,775-78.2% |