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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 | $299,557 | $111,814+167.9% | $103,378+189.8% | $145,978+105.2% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 13.96% | 24.80%-10.8pp | 24.91%-11.0pp | 550.52%-536.6pp |
| Employer contribution / active EE | $527 | $4,215-87.5% | $3,870-86.4% | $4,662-88.7% |
| Participant deferral / active EE | $1,760 | $5,618-68.7% | $5,058-65.2% | $6,690-73.7% |
| Admin fee / account holder | $9,420 | $9,764-3.5% | $8,401+12.1% | $13,400-29.7% |