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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 | $292,811 | $97,550+200.2% | $120,344+143.3% | $87,485+234.7% |
| Participation rate | 48.5% | 72.8%-24.3pp | 76.7%-28.2pp | 68.9%-20.4pp |
| Annual return | 22.22% | 18.41%+3.8pp | 20.30%+1.9pp | 26.06%-3.8pp |
| Employer contribution / active EE | $673 | $2,291-70.6% | $3,020-77.7% | $2,596-74.1% |
| Participant deferral / active EE | $1,748 | $4,230-58.7% | $5,135-66.0% | $4,274-59.1% |
| Admin fee / account holder | $12,872 | $9,543+34.9% | $12,742+1.0% | $7,775+65.6% |