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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 | $288,886 | $58,099+397.2% | $76,872+275.8% | $75,173+284.3% |
| Participation rate | 12.7% | 63.9%-51.2pp | 69.6%-56.9pp | 67.2%-54.5pp |
| Annual return | 14.27% | 26.71%-12.4pp | 37.90%-23.6pp | 160.72%-146.5pp |
| Employer contribution / active EE | $686 | $1,996-65.6% | $2,533-72.9% | $2,671-74.3% |
| Participant deferral / active EE | $705 | $2,999-76.5% | $3,832-81.6% | $4,126-82.9% |
| Admin fee / account holder | $7,219 | $4,778+51.1% | $5,476+31.8% | $5,651+27.8% |