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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 | $75,541+430.8% | $152,093+163.6% | $82,637+385.2% |
| Participation rate | 27.6% | 66.5%-39.0pp | 77.8%-50.2pp | 68.1%-40.5pp |
| Annual return | 10.97% | 32.56%-21.6pp | 66.36%-55.4pp | 53.51%-42.5pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,570 | $3,206+42.6% | $5,451-16.2% | $4,126+10.7% |
| Admin fee / account holder | $2,195 | $6,405-65.7% | $14,497-84.9% | $7,339-70.1% |