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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 | $324,005 | $102,422+216.3% | $147,117+120.2% | $80,959+300.2% |
| Participation rate | 40.0% | 75.9%-35.9pp | 82.2%-42.2pp | 67.7%-27.7pp |
| Annual return | 11.78% | 135.16%-123.4pp | 420.54%-408.8pp | 35.67%-23.9pp |
| Employer contribution / active EE | $700 | $3,717-81.2% | $4,932-85.8% | $2,757-74.6% |
| Participant deferral / active EE | $7,401 | $6,652+11.3% | $8,065-8.2% | $4,300+72.1% |
| Admin fee / account holder | $1,427 | $7,953-82.1% | $12,993-89.0% | $6,925-79.4% |