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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 | $106,974+187.8% | $90,796+239.0% | $138,895+121.6% |
| Participation rate | 36.4% | 74.9%-38.5pp | 69.5%-33.1pp | 79.9%-43.6pp |
| Annual return | 15.20% | 20.10%-4.9pp | 19.29%-4.1pp | 145.39%-130.2pp |
| Employer contribution / active EE | $0 | $2,609-100.0% | $2,294-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,978 | $4,455-55.6% | $3,822-48.2% | $6,396-69.1% |
| Admin fee / account holder | $15,733 | $8,626+82.4% | $7,024+124.0% | $12,562+25.2% |