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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 | $281,573 | $136,860+105.7% | $120,344+134.0% | $154,746+82.0% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 13.69% | 21.38%-7.7pp | 20.30%-6.6pp | 172.34%-158.7pp |
| Employer contribution / active EE | $4,862 | $3,533+37.6% | $3,020+61.0% | $4,379+11.0% |
| Participant deferral / active EE | $1,203 | $5,793-79.2% | $5,135-76.6% | $6,730-82.1% |
| Admin fee / account holder | $3,718 | $15,393-75.8% | $12,742-70.8% | $14,365-74.1% |