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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $278,432 | $63,354+339.5% | $94,105+195.9% | $82,637+236.9% |
| Participation rate | 6.9% | 63.8%-56.9pp | 71.9%-65.0pp | 68.1%-61.2pp |
| Annual return | 12.53% | 34.36%-21.8pp | 204.55%-192.0pp | 53.51%-41.0pp |
| Employer contribution / active EE | $39 | $1,760-97.8% | $2,504-98.5% | $2,552-98.5% |
| Participant deferral / active EE | $906 | $2,873-68.5% | $3,881-76.6% | $4,126-78.0% |
| Admin fee / account holder | $556 | $5,073-89.0% | $6,199-91.0% | $7,339-92.4% |