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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 | $287,180 | $184,014+56.1% | $161,149+78.2% | $138,895+106.8% |
| Participation rate | 46.7% | 82.1%-35.4pp | 78.8%-32.2pp | 79.9%-33.3pp |
| Annual return | 13.84% | 21.52%-7.7pp | 21.16%-7.3pp | 145.39%-131.6pp |
| Employer contribution / active EE | $0 | $5,055-100.0% | $4,360-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,513 | $6,909-78.1% | $6,153-75.4% | $6,396-76.3% |
| Admin fee / account holder | $2,626 | $18,027-85.4% | $15,194-82.7% | $12,562-79.1% |