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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 | $302,554 | $174,379+73.5% | $152,093+98.9% | $138,895+117.8% |
| Participation rate | 37.5% | 81.6%-44.1pp | 77.8%-40.3pp | 79.9%-42.4pp |
| Annual return | 16.58% | 74.86%-58.3pp | 66.36%-49.8pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,330 | $4,652-71.4% | $4,175-68.1% | $4,194-68.3% |
| Participant deferral / active EE | $1,336 | $6,159-78.3% | $5,451-75.5% | $6,396-79.1% |
| Admin fee / account holder | $10,430 | $16,880-38.2% | $14,497-28.0% | $12,562-17.0% |