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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 | $315,128 | $71,215+342.5% | $93,696+236.3% | $80,935+289.4% |
| Participation rate | 13.8% | 60.4%-46.6pp | 68.7%-54.9pp | 67.7%-53.9pp |
| Annual return | 14.91% | 11.27%+3.6pp | 133.74%-118.8pp | 35.66%-20.7pp |
| Employer contribution / active EE | $311 | $1,565-80.1% | $2,422-87.2% | $2,757-88.7% |
| Participant deferral / active EE | $1,670 | $4,037-58.6% | $4,417-62.2% | $4,299-61.2% |
| Admin fee / account holder | $5,426 | $6,958-22.0% | $8,287-34.5% | $6,924-21.6% |