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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 | $132,099+133.5% | $115,599+166.8% | $138,895+122.0% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.3%-14.3pp | 79.9%-19.9pp |
| Annual return | 14.53% | 176.76%-162.2pp | 111.10%-96.6pp | 145.39%-130.9pp |
| Employer contribution / active EE | $3,229 | $3,416-5.5% | $2,955+9.3% | $4,194-23.0% |
| Participant deferral / active EE | $1,498 | $5,617-73.3% | $4,889-69.4% | $6,396-76.6% |
| Admin fee / account holder | $40,670 | $15,650+159.9% | $12,841+216.7% | $12,562+223.8% |