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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 | $293,961 | $132,634+121.6% | $115,768+153.9% | $137,256+114.2% |
| Participation rate | 28.6% | 77.9%-49.3pp | 74.4%-45.8pp | 80.0%-51.4pp |
| Annual return | 5.52% | 160.70%-155.2pp | 100.46%-94.9pp | 220.34%-214.8pp |
| Employer contribution / active EE | $271 | $3,360-91.9% | $2,940-90.8% | $4,156-93.5% |
| Participant deferral / active EE | $4,429 | $5,619-21.2% | $4,917-9.9% | $6,407-30.9% |
| Admin fee / account holder | $1,591 | $15,028-89.4% | $12,439-87.2% | $12,270-87.0% |