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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 | $250,278 | $138,312+81.0% | $122,979+103.5% | $155,188+61.3% |
| Participation rate | 55.6% | 80.2%-24.6pp | 77.2%-21.6pp | 80.8%-25.2pp |
| Annual return | 17.34% | 22.06%-4.7pp | 20.12%-2.8pp | 148.84%-131.5pp |
| Employer contribution / active EE | $396 | $3,530-88.8% | $3,062-87.1% | $4,248-90.7% |
| Participant deferral / active EE | $2,807 | $5,592-49.8% | $5,003-43.9% | $6,531-57.0% |
| Admin fee / account holder | $1,772 | $15,089-88.3% | $12,864-86.2% | $14,480-87.8% |