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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 | $319,901 | $138,312+131.3% | $122,979+160.1% | $155,188+106.1% |
| Participation rate | 54.5% | 80.2%-25.6pp | 77.2%-22.6pp | 80.8%-26.3pp |
| Annual return | 11.76% | 22.06%-10.3pp | 20.12%-8.4pp | 148.84%-137.1pp |
| Employer contribution / active EE | $897 | $3,530-74.6% | $3,062-70.7% | $4,248-78.9% |
| Participant deferral / active EE | $1,284 | $5,592-77.0% | $5,003-74.3% | $6,531-80.3% |
| Admin fee / account holder | $1,746 | $15,089-88.4% | $12,864-86.4% | $14,480-87.9% |