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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 | $289,766 | $73,787+292.7% | $98,716+193.5% | $82,448+251.5% |
| Participation rate | 44.0% | 61.4%-17.4pp | 69.3%-25.3pp | 68.1%-24.1pp |
| Annual return | 16.26% | 18.57%-2.3pp | 31.81%-15.5pp | 41.64%-25.4pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,055 | $3,081+96.5% | $4,048+49.6% | $4,139+46.3% |
| Admin fee / account holder | $6,386 | $6,500-1.8% | $8,703-26.6% | $7,234-11.7% |