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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 | $288,399 | $275,752+4.6% | $256,809+12.3% | $198,609+45.2% |
| Participation rate | 59.1% | 89.2%-30.1pp | 88.5%-29.4pp | 82.4%-23.3pp |
| Annual return | 18.86% | 34.81%-16.0pp | 32.73%-13.9pp | 202.70%-183.8pp |
| Employer contribution / active EE | $0 | $7,721-100.0% | $7,263-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $6,835 | $10,037-31.9% | $9,520-28.2% | $6,977-2.0% |
| Admin fee / account holder | $3,012 | $25,716-88.3% | $25,146-88.0% | $19,030-84.2% |