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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 | $257,107 | $93,345+175.4% | $119,126+115.8% | $87,485+193.9% |
| Participation rate | 41.9% | 68.7%-26.8pp | 75.8%-33.8pp | 68.9%-27.0pp |
| Annual return | 17.21% | 19.08%-1.9pp | 282.11%-264.9pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,045 | $3,172-67.1% | $4,034-74.1% | $2,596-59.8% |
| Participant deferral / active EE | $1,751 | $4,099-57.3% | $5,318-67.1% | $4,274-59.0% |
| Admin fee / account holder | $930 | $8,039-88.4% | $10,693-91.3% | $7,775-88.0% |