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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 | $312,839 | $86,938+259.8% | $102,423+205.4% | $80,925+286.6% |
| Participation rate | 43.8% | 72.4%-28.6pp | 76.5%-32.8pp | 67.7%-23.9pp |
| Annual return | 18.11% | 18.89%-0.8pp | 29.42%-11.3pp | 35.65%-17.5pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,425 | $4,120+31.7% | $5,054+7.3% | $4,299+26.2% |
| Admin fee / account holder | $2,496 | $8,053-69.0% | $9,455-73.6% | $6,940-64.0% |