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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 | $289,340 | $97,550+196.6% | $120,344+140.4% | $87,485+230.7% |
| Participation rate | 51.7% | 72.8%-21.1pp | 76.7%-25.0pp | 68.9%-17.2pp |
| Annual return | 14.60% | 18.41%-3.8pp | 20.30%-5.7pp | 26.06%-11.5pp |
| Employer contribution / active EE | $545 | $2,291-76.2% | $3,020-82.0% | $2,596-79.0% |
| Participant deferral / active EE | $3,906 | $4,230-7.6% | $5,135-23.9% | $4,274-8.6% |
| Admin fee / account holder | $2,160 | $9,543-77.4% | $12,742-83.0% | $7,775-72.2% |