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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 | $301,861 | $180,749+67.0% | $160,784+87.7% | $137,256+119.9% |
| Participation rate | 40.0% | 80.0%-40.0pp | 77.0%-37.0pp | 80.0%-40.0pp |
| Annual return | 13.21% | 2234.46%-2221.3pp | 1803.92%-1790.7pp | 220.34%-207.1pp |
| Employer contribution / active EE | $769 | $4,155-81.5% | $3,733-79.4% | $4,156-81.5% |
| Participant deferral / active EE | $1,008 | $6,844-85.3% | $6,293-84.0% | $6,407-84.3% |
| Admin fee / account holder | $16,396 | $10,397+57.7% | $9,717+68.7% | $12,270+33.6% |