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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 | $280,498 | $88,672+216.3% | $105,223+166.6% | $82,448+240.2% |
| Participation rate | 11.1% | 67.9%-56.8pp | 75.0%-63.9pp | 68.1%-57.0pp |
| Annual return | 20.05% | 30.86%-10.8pp | 180.65%-160.6pp | 41.64%-21.6pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $883 | $4,036-78.1% | $5,072-82.6% | $4,139-78.7% |
| Admin fee / account holder | $32,040 | $7,146+348.4% | $8,859+261.7% | $7,234+342.9% |