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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 | $272,719 | $227,399+19.9% | $189,758+43.7% | $198,609+37.3% |
| Participation rate | 30.0% | 84.0%-54.0pp | 79.8%-49.8pp | 82.4%-52.4pp |
| Annual return | 17.54% | 61.03%-43.5pp | 52.62%-35.1pp | 202.70%-185.2pp |
| Employer contribution / active EE | $0 | $5,526-100.0% | $4,767-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,466 | $6,837-78.6% | $5,856-75.0% | $6,977-79.0% |
| Admin fee / account holder | $5,575 | $25,162-77.8% | $20,388-72.7% | $19,030-70.7% |