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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 | $276,934 | $97,550+183.9% | $120,344+130.1% | $87,485+216.6% |
| Participation rate | 29.6% | 72.8%-43.2pp | 76.7%-47.1pp | 68.9%-39.3pp |
| Annual return | 16.99% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.1pp |
| Employer contribution / active EE | $380 | $2,291-83.4% | $3,020-87.4% | $2,596-85.4% |
| Participant deferral / active EE | $2,933 | $4,230-30.6% | $5,135-42.9% | $4,274-31.4% |
| Admin fee / account holder | $3,702 | $9,543-61.2% | $12,742-70.9% | $7,775-52.4% |