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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 | $108,825+148.7% | $156,181+73.3% | $82,448+228.2% |
| Participation rate | 47.4% | 72.4%-25.0pp | 78.8%-31.5pp | 68.1%-20.7pp |
| Annual return | 46.89% | 20.59%+26.3pp | 64.87%-18.0pp | 41.64%+5.3pp |
| Employer contribution / active EE | $1,899 | $2,870-33.8% | $4,294-55.8% | $2,551-25.5% |
| Participant deferral / active EE | $1,333 | $4,577-70.9% | $6,132-78.3% | $4,139-67.8% |
| Admin fee / account holder | $795 | $9,341-91.5% | $14,586-94.5% | $7,234-89.0% |