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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 | $478,791 | $102,595+366.7% | $94,057+409.0% | $154,746+209.4% |
| Participation rate | 9.1% | 76.0%-66.9pp | 73.3%-64.3pp | 80.7%-71.6pp |
| Annual return | 12.15% | 583.42%-571.3pp | 480.62%-468.5pp | 172.34%-160.2pp |
| Employer contribution / active EE | $473 | $3,147-85.0% | $2,933-83.9% | $4,379-89.2% |
| Participant deferral / active EE | $827 | $5,118-83.8% | $4,709-82.4% | $6,730-87.7% |
| Admin fee / account holder | $3,523 | $7,736-54.5% | $7,244-51.4% | $14,365-75.5% |