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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 | $308,403 | $132,634+132.5% | $115,768+166.4% | $137,256+124.7% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.4%-14.4pp | 80.0%-20.0pp |
| Annual return | 14.53% | 160.70%-146.2pp | 100.46%-85.9pp | 220.34%-205.8pp |
| Employer contribution / active EE | $3,229 | $3,360-3.9% | $2,940+9.8% | $4,156-22.3% |
| Participant deferral / active EE | $1,498 | $5,619-73.3% | $4,917-69.5% | $6,407-76.6% |
| Admin fee / account holder | $40,670 | $15,028+170.6% | $12,439+226.9% | $12,270+231.5% |