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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 | $257,159 | $135,956+89.1% | $123,894+107.6% | $273,972-6.1% |
| Participation rate | 20.0% | 84.1%-64.1pp | 81.4%-61.4pp | 83.0%-63.0pp |
| Annual return | 12.05% | 56.63%-44.6pp | 47.52%-35.5pp | 41.46%-29.4pp |
| Employer contribution / active EE | $711 | $5,170-86.2% | $4,617-84.6% | $4,869-85.4% |
| Participant deferral / active EE | $3,963 | $6,343-37.5% | $5,984-33.8% | $5,287-25.1% |
| Admin fee / account holder | $1,957 | $9,817-80.1% | $8,357-76.6% | $10,133-80.7% |