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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 | $366,280 | $124,425+194.4% | $112,040+226.9% | $137,256+166.9% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.5%-26.5pp | 80.0%-30.0pp |
| Annual return | 19.14% | 24.72%-5.6pp | 24.52%-5.4pp | 220.34%-201.2pp |
| Employer contribution / active EE | $3,159 | $3,411-7.4% | $2,954+7.0% | $4,156-24.0% |
| Participant deferral / active EE | $1,303 | $5,718-77.2% | $5,098-74.4% | $6,407-79.7% |
| Admin fee / account holder | $8,065 | $15,207-47.0% | $12,098-33.3% | $12,270-34.3% |