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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 | $282,054 | $156,398+80.3% | $147,318+91.5% | $138,895+103.1% |
| Participation rate | 27.3% | 83.8%-56.5pp | 82.1%-54.8pp | 79.9%-52.6pp |
| Annual return | 11.96% | 78.75%-66.8pp | 70.43%-58.5pp | 145.39%-133.4pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $5,202 | $8,237-36.8% | $7,906-34.2% | $6,396-18.7% |
| Admin fee / account holder | $2,701 | $14,976-82.0% | $13,708-80.3% | $12,562-78.5% |