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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 | $282,054 | $162,136+74.0% | $152,301+85.2% | $154,746+82.3% |
| Participation rate | 27.3% | 84.1%-56.8pp | 82.4%-55.2pp | 80.7%-53.4pp |
| Annual return | 11.96% | 91.02%-79.1pp | 80.50%-68.5pp | 172.34%-160.4pp |
| Employer contribution / active EE | $0 | $4,890-100.0% | $4,624-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $5,202 | $8,341-37.6% | $8,004-35.0% | $6,730-22.7% |
| Admin fee / account holder | $2,701 | $15,759-82.9% | $14,398-81.2% | $14,365-81.2% |