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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 | $142,354+106.5% | $125,529+134.2% | $155,188+89.4% |
| Participation rate | 28.6% | 78.1%-49.5pp | 74.7%-46.2pp | 80.8%-52.2pp |
| Annual return | 5.52% | 306.06%-300.5pp | 202.56%-197.0pp | 148.84%-143.3pp |
| Employer contribution / active EE | $271 | $3,501-92.2% | $3,058-91.1% | $4,248-93.6% |
| Participant deferral / active EE | $4,429 | $5,491-19.3% | $4,813-8.0% | $6,531-32.2% |
| Admin fee / account holder | $1,591 | $19,392-91.8% | $16,298-90.2% | $14,480-89.0% |