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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 | $51,184+460.0% | $66,439+331.4% | $86,983+229.5% |
| Participation rate | 41.4% | 68.5%-27.1pp | 74.5%-33.1pp | 69.5%-28.2pp |
| Annual return | 13.30% | 17.07%-3.8pp | 757.66%-744.4pp | 25.83%-12.5pp |
| Employer contribution / active EE | $321 | $2,023-84.1% | $2,637-87.8% | $2,584-87.6% |
| Participant deferral / active EE | $3,242 | $2,927+10.7% | $3,876-16.4% | $4,194-22.7% |
| Admin fee / account holder | $1,114 | $4,154-73.2% | $6,173-82.0% | $7,856-85.8% |