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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 | $55,457+416.8% | $77,361+270.5% | $94,015+204.9% |
| Participation rate | 41.4% | 69.8%-28.4pp | 75.0%-33.6pp | 70.8%-29.4pp |
| Annual return | 13.30% | 15.57%-2.3pp | 1011.54%-998.2pp | 17.84%-4.5pp |
| Employer contribution / active EE | $321 | $2,255-85.8% | $2,990-89.3% | $2,790-88.5% |
| Participant deferral / active EE | $3,242 | $3,069+5.6% | $3,911-17.1% | $4,249-23.7% |
| Admin fee / account holder | $1,114 | $4,334-74.3% | $5,894-81.1% | $8,951-87.6% |