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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 | $277,710 | $210,343+32.0% | $153,476+80.9% | $145,978+90.2% |
| Participation rate | 52.9% | 82.1%-29.2pp | 77.1%-24.1pp | 80.3%-27.4pp |
| Annual return | 17.34% | 13.38%+4.0pp | 15.66%+1.7pp | 550.52%-533.2pp |
| Employer contribution / active EE | $0 | $6,047-100.0% | $5,038-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,859 | $7,977-76.7% | $6,759-72.5% | $6,690-72.2% |
| Admin fee / account holder | $25,838 | $19,424+33.0% | $12,729+103.0% | $13,400+92.8% |