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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 | $285,620 | $108,882+162.3% | $96,754+195.2% | $154,746+84.6% |
| Participation rate | 12.5% | 75.1%-62.6pp | 70.3%-57.8pp | 80.7%-68.2pp |
| Annual return | 23.10% | 98.39%-75.3pp | 82.04%-58.9pp | 172.34%-149.2pp |
| Employer contribution / active EE | $255 | $3,018-91.5% | $2,679-90.5% | $4,379-94.2% |
| Participant deferral / active EE | $2,938 | $5,323-44.8% | $4,758-38.3% | $6,730-56.4% |
| Admin fee / account holder | $1,118 | $10,200-89.0% | $8,905-87.4% | $14,365-92.2% |