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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 | $250,023 | $70,366+255.3% | $66,674+275.0% | $138,895+80.0% |
| Participation rate | 10.5% | 76.2%-65.7pp | 73.7%-63.1pp | 79.9%-69.4pp |
| Annual return | 8.43% | 386.41%-378.0pp | 321.24%-312.8pp | 145.39%-137.0pp |
| Employer contribution / active EE | $365 | $2,765-86.8% | $2,620-86.1% | $4,194-91.3% |
| Participant deferral / active EE | $1,670 | $4,374-61.8% | $4,084-59.1% | $6,396-73.9% |
| Admin fee / account holder | $5,030 | $5,262-4.4% | $5,098-1.3% | $12,562-60.0% |