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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 | $325,474 | $116,167+180.2% | $64,489+404.7% | $137,256+137.1% |
| Participation rate | 18.2% | 68.2%-50.0pp | 67.7%-49.5pp | 80.0%-61.8pp |
| Annual return | 18.10% | 36.55%-18.5pp | 55.03%-36.9pp | 220.34%-202.2pp |
| Employer contribution / active EE | $0 | $2,483-100.0% | $1,523-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $161 | $4,215-96.2% | $2,778-94.2% | $6,407-97.5% |
| Admin fee / account holder | $1,479 | $6,188-76.1% | $4,260-65.3% | $12,270-88.0% |