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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 | $343,673 | $88,672+287.6% | $105,223+226.6% | $82,448+316.8% |
| Participation rate | 7.8% | 67.9%-60.1pp | 75.0%-67.2pp | 68.1%-60.2pp |
| Annual return | 13.62% | 30.86%-17.2pp | 180.65%-167.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | $688 | $3,048-77.4% | $3,689-81.3% | $2,551-73.0% |
| Participant deferral / active EE | $1,905 | $4,036-52.8% | $5,072-62.4% | $4,139-54.0% |
| Admin fee / account holder | $1,472 | $7,146-79.4% | $8,859-83.4% | $7,234-79.7% |