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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 | $222,882+46.0% | $182,153+78.7% | $198,609+63.9% |
| Participation rate | 18.2% | 67.8%-49.6pp | 65.7%-47.6pp | 82.4%-64.2pp |
| Annual return | 18.10% | 38.53%-20.4pp | 35.04%-16.9pp | 202.70%-184.6pp |
| Employer contribution / active EE | $0 | $2,741-100.0% | $2,593-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $161 | $4,212-96.2% | $3,776-95.7% | $6,977-97.7% |
| Admin fee / account holder | $1,479 | $8,972-83.5% | $9,477-84.4% | $19,030-92.2% |