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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 | $126,661+97.6% | $113,397+120.7% | $138,895+80.2% |
| Participation rate | 55.6% | 79.4%-23.9pp | 76.5%-20.9pp | 79.9%-24.4pp |
| Annual return | 17.34% | 25.05%-7.7pp | 23.20%-5.9pp | 145.39%-128.1pp |
| Employer contribution / active EE | $396 | $3,456-88.6% | $2,977-86.7% | $4,194-90.6% |
| Participant deferral / active EE | $2,807 | $5,693-50.7% | $5,076-44.7% | $6,396-56.1% |
| Admin fee / account holder | $1,772 | $14,549-87.8% | $11,957-85.2% | $12,562-85.9% |