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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 | $278,226 | $81,457+241.6% | $103,378+169.1% | $80,911+243.9% |
| Participation rate | 27.0% | 66.8%-39.8pp | 74.5%-47.5pp | 67.6%-40.6pp |
| Annual return | 15.37% | 25.58%-10.2pp | 24.91%-9.5pp | 35.63%-20.3pp |
| Employer contribution / active EE | $497 | $3,107-84.0% | $3,870-87.2% | $2,756-82.0% |
| Participant deferral / active EE | $2,001 | $3,871-48.3% | $5,058-60.4% | $4,297-53.4% |
| Admin fee / account holder | $8,929 | $6,717+32.9% | $8,401+6.3% | $6,935+28.8% |