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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 | $311,094 | $114,712+171.2% | $173,730+79.1% | $87,485+255.6% |
| Participation rate | 29.4% | 73.0%-43.6pp | 79.6%-50.2pp | 68.9%-39.5pp |
| Annual return | 16.94% | 20.18%-3.2pp | 19.96%-3.0pp | 26.06%-9.1pp |
| Employer contribution / active EE | $824 | $2,904-71.6% | $4,577-82.0% | $2,596-68.2% |
| Participant deferral / active EE | $1,952 | $4,642-57.9% | $6,326-69.1% | $4,274-54.3% |
| Admin fee / account holder | $3,188 | $10,210-68.8% | $17,523-81.8% | $7,775-59.0% |