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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 | $315,863 | $78,197+303.9% | $98,090+222.0% | $82,637+282.2% |
| Participation rate | 51.9% | 77.5%-25.6pp | 81.5%-29.7pp | 68.1%-16.2pp |
| Annual return | 16.42% | 40.25%-23.8pp | 37.05%-20.6pp | 53.51%-37.1pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,265 | $6,636+9.5% | $7,845-7.4% | $4,126+76.1% |
| Admin fee / account holder | $11,443 | $14,832-22.8% | $11,815-3.1% | $7,339+55.9% |