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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 | $209,336+37.8% | $197,124+46.3% | $137,256+110.1% |
| Participation rate | 59.1% | 87.3%-28.2pp | 86.7%-27.6pp | 80.0%-20.9pp |
| Annual return | 18.86% | 48.09%-29.2pp | 44.34%-25.5pp | 220.34%-201.5pp |
| Employer contribution / active EE | $0 | $6,591-100.0% | $6,227-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $6,835 | $9,614-28.9% | $9,135-25.2% | $6,407+6.7% |
| Admin fee / account holder | $3,012 | $17,308-82.6% | $16,298-81.5% | $12,270-75.4% |