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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 | $95,453+190.1% | $112,040+147.2% | $82,448+235.9% |
| Participation rate | 29.6% | 72.8%-43.1pp | 76.5%-46.9pp | 68.1%-38.4pp |
| Annual return | 16.99% | 23.92%-6.9pp | 24.52%-7.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $380 | $2,318-83.6% | $2,954-87.1% | $2,551-85.1% |
| Participant deferral / active EE | $2,933 | $4,224-30.6% | $5,098-42.5% | $4,139-29.1% |
| Admin fee / account holder | $3,702 | $9,013-58.9% | $12,098-69.4% | $7,234-48.8% |