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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 | $437,893 | $161,352+171.4% | $134,172+226.4% | $137,256+219.0% |
| Participation rate | 25.0% | 78.3%-53.3pp | 72.5%-47.5pp | 80.0%-55.0pp |
| Annual return | 15.65% | 28.72%-13.1pp | 25.30%-9.7pp | 220.34%-204.7pp |
| Employer contribution / active EE | $472 | $4,099-88.5% | $3,420-86.2% | $4,156-88.6% |
| Participant deferral / active EE | $1,793 | $5,552-67.7% | $4,690-61.8% | $6,407-72.0% |
| Admin fee / account holder | $23,382 | $15,028+55.6% | $12,016+94.6% | $12,270+90.6% |