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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 | $436,586 | $147,594+195.8% | $121,871+258.2% | $198,609+119.8% |
| Participation rate | 50.0% | 78.0%-28.0pp | 73.2%-23.2pp | 82.4%-32.4pp |
| Annual return | 13.16% | 12.94%+0.2pp | 13.57%-0.4pp | 202.70%-189.5pp |
| Employer contribution / active EE | $413 | $3,007-86.3% | $2,731-84.9% | $5,055-91.8% |
| Participant deferral / active EE | $3,809 | $5,168-26.3% | $4,318-11.8% | $6,977-45.4% |
| Admin fee / account holder | $3,139 | $15,134-79.3% | $11,551-72.8% | $19,030-83.5% |