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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $454,377 | $176,105+158.0% | $159,474+184.9% | $167,536+171.2% |
| Participation rate | 14.3% | 85.0%-70.7pp | 82.8%-68.5pp | 82.1%-67.8pp |
| Annual return | 5.68% | 331.91%-326.2pp | 263.68%-258.0pp | 478.82%-473.1pp |
| Employer contribution / active EE | $1,158 | $5,299-78.1% | $4,831-76.0% | $4,839-76.1% |
| Participant deferral / active EE | $2,483 | $7,751-68.0% | $7,353-66.2% | $6,342-60.8% |
| Admin fee / account holder | $361 | $12,559-97.1% | $10,802-96.7% | $12,315-97.1% |