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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 | $358,397 | $138,312+159.1% | $122,979+191.4% | $155,188+130.9% |
| Participation rate | 44.4% | 80.2%-35.8pp | 77.2%-32.7pp | 80.8%-36.4pp |
| Annual return | 7.78% | 22.06%-14.3pp | 20.12%-12.3pp | 148.84%-141.1pp |
| Employer contribution / active EE | $924 | $3,530-73.8% | $3,062-69.8% | $4,248-78.2% |
| Participant deferral / active EE | $1,286 | $5,592-77.0% | $5,003-74.3% | $6,531-80.3% |
| Admin fee / account holder | $2,537 | $15,089-83.2% | $12,864-80.3% | $14,480-82.5% |