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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 | $308,043 | $99,875+208.4% | $146,866+109.7% | $86,983+254.1% |
| Participation rate | 16.2% | 75.8%-59.6pp | 82.5%-66.3pp | 69.5%-53.3pp |
| Annual return | 17.52% | 28.10%-10.6pp | 102.85%-85.3pp | 25.83%-8.3pp |
| Employer contribution / active EE | $1,535 | $3,224-52.4% | $4,425-65.3% | $2,584-40.6% |
| Participant deferral / active EE | $1,326 | $6,322-79.0% | $7,759-82.9% | $4,194-68.4% |
| Admin fee / account holder | $544 | $7,838-93.1% | $13,620-96.0% | $7,856-93.1% |