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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 | $300,324 | $180,028+66.8% | $138,135+117.4% | $158,950+88.9% |
| Participation rate | 52.9% | 82.2%-29.3pp | 78.7%-25.8pp | 82.0%-29.0pp |
| Annual return | 11.26% | 21.68%-10.4pp | 20.51%-9.2pp | 302.91%-291.6pp |
| Employer contribution / active EE | $946 | $7,470-87.3% | $5,587-83.1% | $4,762-80.1% |
| Participant deferral / active EE | $7,119 | $7,717-7.8% | $6,431+10.7% | $5,983+19.0% |
| Admin fee / account holder | $8,142 | $17,912-54.5% | $11,856-31.3% | $11,248-27.6% |