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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 | $253,533 | $211,105+20.1% | $178,449+42.1% | $145,978+73.7% |
| Participation rate | 50.0% | 80.8%-30.8pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 13.89% | 30.19%-16.3pp | 27.09%-13.2pp | 550.52%-536.6pp |
| Employer contribution / active EE | $498 | $4,569-89.1% | $3,951-87.4% | $4,662-89.3% |
| Participant deferral / active EE | $5,092 | $6,959-26.8% | $6,277-18.9% | $6,690-23.9% |
| Admin fee / account holder | $1,616 | $12,017-86.6% | $10,362-84.4% | $13,400-87.9% |