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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 | $102,429+216.3% | $147,096+120.3% | $80,925+300.4% |
| Participation rate | 40.0% | 75.9%-35.9pp | 82.2%-42.2pp | 67.7%-27.7pp |
| Annual return | 11.78% | 135.02%-123.2pp | 419.75%-408.0pp | 35.65%-23.9pp |
| Employer contribution / active EE | $700 | $3,716-81.1% | $4,936-85.8% | $2,756-74.6% |
| Participant deferral / active EE | $7,401 | $6,649+11.3% | $8,071-8.3% | $4,299+72.2% |
| Admin fee / account holder | $1,427 | $7,957-82.1% | $13,005-89.0% | $6,940-79.4% |