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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 | $286,622 | $47,479+503.7% | $62,929+355.5% | $82,448+247.6% |
| Participation rate | 41.4% | 66.9%-25.5pp | 73.1%-31.7pp | 68.1%-26.7pp |
| Annual return | 13.30% | 20.34%-7.0pp | 1063.93%-1050.6pp | 41.64%-28.3pp |
| Employer contribution / active EE | $321 | $1,885-83.0% | $2,505-87.2% | $2,551-87.4% |
| Participant deferral / active EE | $3,242 | $2,870+12.9% | $3,888-16.6% | $4,139-21.7% |
| Admin fee / account holder | $1,114 | $3,804-70.7% | $5,065-78.0% | $7,234-84.6% |