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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 | $400,938 | $76,407+424.7% | $150,298+166.8% | $82,448+386.3% |
| Participation rate | 27.6% | 66.4%-38.8pp | 77.8%-50.2pp | 68.1%-40.5pp |
| Annual return | 10.97% | 39.99%-29.0pp | 62.79%-51.8pp | 41.64%-30.7pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,570 | $3,214+42.2% | $5,453-16.2% | $4,139+10.4% |
| Admin fee / account holder | $2,195 | $6,352-65.4% | $14,116-84.5% | $7,234-69.7% |