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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 | $136,860+167.6% | $120,344+204.4% | $154,746+136.7% |
| Participation rate | 50.0% | 79.9%-29.9pp | 76.7%-26.7pp | 80.7%-30.7pp |
| Annual return | 19.14% | 21.38%-2.2pp | 20.30%-1.2pp | 172.34%-153.2pp |
| Employer contribution / active EE | $3,159 | $3,533-10.6% | $3,020+4.6% | $4,379-27.9% |
| Participant deferral / active EE | $1,303 | $5,793-77.5% | $5,135-74.6% | $6,730-80.6% |
| Admin fee / account holder | $8,065 | $15,393-47.6% | $12,742-36.7% | $14,365-43.9% |