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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 | $307,360 | $110,379+178.5% | $102,412+200.1% | $145,884+110.7% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 12.31% | 24.84%-12.5pp | 24.94%-12.6pp | 551.85%-539.5pp |
| Employer contribution / active EE | $355 | $4,216-91.6% | $3,870-90.8% | $4,662-92.4% |
| Participant deferral / active EE | $1,864 | $5,622-66.8% | $5,060-63.2% | $6,690-72.1% |
| Admin fee / account holder | $1,746 | $9,745-82.1% | $8,388-79.2% | $13,392-87.0% |