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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 | $77,574+273.5% | $108,753+166.4% | $86,983+233.1% |
| Participation rate | 44.0% | 62.3%-18.3pp | 71.1%-27.1pp | 69.5%-25.5pp |
| Annual return | 16.26% | 18.42%-2.2pp | 37.47%-21.2pp | 25.83%-9.6pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $6,055 | $3,128+93.6% | $4,115+47.2% | $4,194+44.4% |
| Admin fee / account holder | $6,386 | $6,529-2.2% | $10,320-38.1% | $7,856-18.7% |