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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 | $297,215 | $106,267+179.7% | $96,520+207.9% | $139,456+113.1% |
| Participation rate | 47.1% | 77.8%-30.8pp | 74.3%-27.3pp | 80.3%-33.3pp |
| Annual return | 12.47% | 38.45%-26.0pp | 35.72%-23.2pp | 373.45%-361.0pp |
| Employer contribution / active EE | $667 | $4,105-83.7% | $3,739-82.1% | $4,753-86.0% |
| Participant deferral / active EE | $3,503 | $5,454-35.8% | $4,879-28.2% | $6,711-47.8% |
| Admin fee / account holder | $3,088 | $7,882-60.8% | $6,733-54.1% | $11,407-72.9% |