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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 | $181,062+50.6% | $158,223+72.4% | $155,188+75.7% |
| Participation rate | 30.0% | 82.7%-52.7pp | 79.2%-49.2pp | 80.8%-50.8pp |
| Annual return | 17.54% | 57.39%-39.8pp | 52.09%-34.5pp | 148.84%-131.3pp |
| Employer contribution / active EE | $0 | $4,565-100.0% | $4,109-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,466 | $6,134-76.1% | $5,467-73.2% | $6,531-77.6% |
| Admin fee / account holder | $5,575 | $18,825-70.4% | $16,047-65.3% | $14,480-61.5% |