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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 | $307,832 | $99,380+209.8% | $90,312+240.9% | $155,188+98.4% |
| Participation rate | 36.4% | 77.3%-41.0pp | 72.9%-36.5pp | 80.8%-44.4pp |
| Annual return | 15.20% | 19.35%-4.1pp | 18.90%-3.7pp | 148.84%-133.6pp |
| Employer contribution / active EE | $0 | $2,390-100.0% | $2,243-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,978 | $4,212-53.0% | $3,749-47.2% | $6,531-69.7% |
| Admin fee / account holder | $15,733 | $9,766+61.1% | $8,248+90.8% | $14,480+8.7% |