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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 | $448,866 | $111,785+301.5% | $93,669+379.2% | $145,877+207.7% |
| Participation rate | 29.4% | 74.2%-44.8pp | 68.7%-39.3pp | 80.3%-50.9pp |
| Annual return | 26.56% | 203.79%-177.2pp | 133.59%-107.0pp | 551.28%-524.7pp |
| Employer contribution / active EE | $785 | $3,096-74.7% | $2,424-67.6% | $4,663-83.2% |
| Participant deferral / active EE | $1,183 | $4,919-76.0% | $4,416-73.2% | $6,691-82.3% |
| Admin fee / account holder | $12,602 | $10,256+22.9% | $8,291+52.0% | $13,402-6.0% |