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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 | $315,924 | $124,425+153.9% | $112,040+182.0% | $137,256+130.2% |
| Participation rate | 43.8% | 79.3%-35.6pp | 76.5%-32.7pp | 80.0%-36.2pp |
| Annual return | 12.30% | 24.72%-12.4pp | 24.52%-12.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,445 | $3,411-57.7% | $2,954-51.1% | $4,156-65.2% |
| Participant deferral / active EE | $1,806 | $5,718-68.4% | $5,098-64.6% | $6,407-71.8% |
| Admin fee / account holder | $1,845 | $15,207-87.9% | $12,098-84.7% | $12,270-85.0% |