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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 | $276,352 | $93,598+195.3% | $135,974+103.2% | $75,173+267.6% |
| Participation rate | 54.3% | 75.2%-20.9pp | 81.9%-27.6pp | 67.2%-12.9pp |
| Annual return | 13.00% | 30.89%-17.9pp | 68.30%-55.3pp | 160.72%-147.7pp |
| Employer contribution / active EE | $652 | $3,538-81.6% | $4,859-86.6% | $2,671-75.6% |
| Participant deferral / active EE | $7,917 | $6,405+23.6% | $7,760+2.0% | $4,126+91.9% |
| Admin fee / account holder | $32,779 | $6,978+369.8% | $10,767+204.4% | $5,651+480.1% |