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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 | $74,535+288.8% | $100,712+187.7% | $82,637+250.6% |
| Participation rate | 44.0% | 61.2%-17.2pp | 69.3%-25.3pp | 68.1%-24.1pp |
| Annual return | 16.26% | 18.92%-2.7pp | 33.27%-17.0pp | 53.51%-37.2pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,055 | $3,074+97.0% | $4,085+48.2% | $4,126+46.8% |
| Admin fee / account holder | $6,386 | $6,576-2.9% | $9,256-31.0% | $7,339-13.0% |