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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 | $270,604 | $114,712+135.9% | $173,730+55.8% | $87,485+209.3% |
| Participation rate | 47.4% | 73.0%-25.6pp | 79.6%-32.2pp | 68.9%-21.6pp |
| Annual return | 46.89% | 20.18%+26.7pp | 19.96%+26.9pp | 26.06%+20.8pp |
| Employer contribution / active EE | $1,899 | $2,904-34.6% | $4,577-58.5% | $2,596-26.8% |
| Participant deferral / active EE | $1,333 | $4,642-71.3% | $6,326-78.9% | $4,274-68.8% |
| Admin fee / account holder | $795 | $10,210-92.2% | $17,523-95.5% | $7,775-89.8% |