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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 | $287,981 | $59,839+381.3% | $81,991+251.2% | $79,852+260.6% |
| Participation rate | 43.2% | 61.6%-18.4pp | 69.3%-26.0pp | 69.6%-26.4pp |
| Annual return | 16.46% | 17.56%-1.1pp | 41.31%-24.9pp | 31.72%-15.3pp |
| Employer contribution / active EE | $7,095 | $1,713+314.1% | $2,498+184.0% | $2,471+187.1% |
| Participant deferral / active EE | $245 | $2,695-90.9% | $3,722-93.4% | $3,740-93.4% |
| Admin fee / account holder | $13,471 | $4,287+214.2% | $5,665+137.8% | $5,306+153.9% |