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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 | $262,350 | $217,432+20.7% | $185,849+41.2% | $167,536+56.6% |
| Participation rate | 68.2% | 86.1%-17.9pp | 81.7%-13.5pp | 82.1%-13.9pp |
| Annual return | 20.95% | 148.42%-127.5pp | 122.10%-101.1pp | 478.82%-457.9pp |
| Employer contribution / active EE | $0 | $5,875-100.0% | $5,169-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,335 | $6,357-47.5% | $5,569-40.1% | $6,342-47.4% |
| Admin fee / account holder | $504 | $19,818-97.5% | $16,244-96.9% | $12,315-95.9% |