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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 | $256,293 | $227,597+12.6% | $189,575+35.2% | $167,536+53.0% |
| Participation rate | 68.2% | 82.5%-14.3pp | 78.4%-10.3pp | 82.1%-13.9pp |
| Annual return | 16.68% | 78.44%-61.8pp | 64.19%-47.5pp | 478.82%-462.1pp |
| Employer contribution / active EE | $0 | $5,316-100.0% | $4,412-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $10,208 | $7,002+45.8% | $6,174+65.4% | $6,342+61.0% |
| Admin fee / account holder | $18,964 | $11,877+59.7% | $9,806+93.4% | $12,315+54.0% |