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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 | $95,404+203.3% | $113,397+155.2% | $82,637+250.1% |
| Participation rate | 51.7% | 72.8%-21.1pp | 76.5%-24.8pp | 68.1%-16.3pp |
| Annual return | 14.60% | 19.08%-4.5pp | 23.20%-8.6pp | 53.51%-38.9pp |
| Employer contribution / active EE | $545 | $2,307-76.4% | $2,977-81.7% | $2,552-78.6% |
| Participant deferral / active EE | $3,906 | $4,220-7.4% | $5,076-23.0% | $4,126-5.3% |
| Admin fee / account holder | $2,160 | $9,168-76.4% | $11,957-81.9% | $7,339-70.6% |