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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 | $311,448 | $104,251+198.7% | $91,004+242.2% | $147,586+111.0% |
| Participation rate | 50.0% | 78.2%-28.2pp | 75.6%-25.6pp | 82.8%-32.8pp |
| Annual return | 8.52% | 27.06%-18.5pp | 4.60%+3.9pp | 578.59%-570.1pp |
| Employer contribution / active EE | $363 | $3,116-88.4% | $2,456-85.2% | $4,876-92.6% |
| Participant deferral / active EE | $7,249 | $4,195+72.8% | $3,548+104.3% | $5,439+33.3% |
| Admin fee / account holder | $644 | $8,948-92.8% | $5,417-88.1% | $10,886-94.1% |