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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 | $114,013+319.9% | $103,693+361.7% | $155,188+208.5% |
| Participation rate | 9.1% | 75.2%-66.1pp | 72.6%-63.6pp | 80.8%-71.7pp |
| Annual return | 12.15% | 49.31%-37.2pp | 47.61%-35.5pp | 148.84%-136.7pp |
| Employer contribution / active EE | $473 | $3,131-84.9% | $2,920-83.8% | $4,248-88.9% |
| Participant deferral / active EE | $827 | $4,970-83.4% | $4,579-81.9% | $6,531-87.3% |
| Admin fee / account holder | $3,523 | $8,407-58.1% | $7,858-55.2% | $14,480-75.7% |