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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 | $288,380 | $102,422+181.6% | $147,117+96.0% | $80,959+256.2% |
| Participation rate | 58.8% | 75.9%-17.0pp | 82.2%-23.4pp | 67.7%-8.8pp |
| Annual return | 11.23% | 135.16%-123.9pp | 420.54%-409.3pp | 35.67%-24.4pp |
| Employer contribution / active EE | $559 | $3,717-85.0% | $4,932-88.7% | $2,757-79.7% |
| Participant deferral / active EE | $5,582 | $6,652-16.1% | $8,065-30.8% | $4,300+29.8% |
| Admin fee / account holder | $2,327 | $7,953-70.7% | $12,993-82.1% | $6,925-66.4% |