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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 | $292,483 | $117,846+148.2% | $102,434+185.5% | $145,884+100.5% |
| Participation rate | 55.6% | 78.6%-23.1pp | 76.5%-21.0pp | 80.3%-24.7pp |
| Annual return | 10.10% | 31.90%-21.8pp | 29.46%-19.4pp | 551.85%-541.7pp |
| Employer contribution / active EE | $876 | $3,615-75.8% | $3,023-71.0% | $4,662-81.2% |
| Participant deferral / active EE | $876 | $5,733-84.7% | $5,055-82.7% | $6,690-86.9% |
| Admin fee / account holder | $12,187 | $13,356-8.7% | $9,462+28.8% | $13,392-9.0% |