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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $310,967 | $96,678+221.7% | $86,640+258.9% | $139,466+123.0% |
| Participation rate | 28.6% | 74.4%-45.8pp | 71.7%-43.1pp | 80.3%-51.8pp |
| Annual return | 13.40% | 106.69%-93.3pp | 592.52%-579.1pp | 373.66%-360.3pp |
| Employer contribution / active EE | $1,700 | $3,265-47.9% | $3,024-43.8% | $4,754-64.2% |
| Participant deferral / active EE | $651 | $4,837-86.5% | $4,438-85.3% | $6,712-90.3% |
| Admin fee / account holder | $6,917 | $6,410+7.9% | $5,616+23.2% | $11,409-39.4% |