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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 | $415,804 | $162,967+155.1% | $135,792+206.2% | $138,895+199.4% |
| Participation rate | 33.3% | 78.3%-45.0pp | 72.6%-39.3pp | 79.9%-46.6pp |
| Annual return | 19.23% | 30.08%-10.9pp | 25.96%-6.7pp | 145.39%-126.2pp |
| Employer contribution / active EE | $428 | $4,211-89.8% | $3,496-87.7% | $4,194-89.8% |
| Participant deferral / active EE | $6,614 | $5,640+17.3% | $4,759+39.0% | $6,396+3.4% |
| Admin fee / account holder | $6,695 | $15,306-56.3% | $12,266-45.4% | $12,562-46.7% |