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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 | $78,520+302.3% | $96,576+227.1% | $82,448+283.1% |
| Participation rate | 51.9% | 77.7%-25.9pp | 81.4%-29.6pp | 68.1%-16.2pp |
| Annual return | 16.42% | 41.30%-24.9pp | 38.47%-22.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,265 | $6,754+7.6% | $7,956-8.7% | $4,139+75.5% |
| Admin fee / account holder | $11,443 | $13,455-15.0% | $11,381+0.5% | $7,234+58.2% |