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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 | $279,761 | $88,672+215.5% | $105,223+165.9% | $82,448+239.3% |
| Participation rate | 18.1% | 67.9%-49.9pp | 75.0%-57.0pp | 68.1%-50.0pp |
| Annual return | 17.24% | 30.86%-13.6pp | 180.65%-163.4pp | 41.64%-24.4pp |
| Employer contribution / active EE | $1,162 | $3,048-61.9% | $3,689-68.5% | $2,551-54.4% |
| Participant deferral / active EE | $1,313 | $4,036-67.5% | $5,072-74.1% | $4,139-68.3% |
| Admin fee / account holder | $5,024 | $7,146-29.7% | $8,859-43.3% | $7,234-30.6% |