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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 | $256,101 | $100,895+153.8% | $90,430+183.2% | $158,950+61.1% |
| Participation rate | 37.5% | 75.0%-37.5pp | 72.7%-35.2pp | 82.0%-44.5pp |
| Annual return | 4.00% | 1725.54%-1721.5pp | 1293.73%-1289.7pp | 302.91%-298.9pp |
| Employer contribution / active EE | $38 | $3,689-99.0% | $3,262-98.8% | $4,762-99.2% |
| Participant deferral / active EE | $952 | $4,347-78.1% | $3,963-76.0% | $5,983-84.1% |
| Admin fee / account holder | $3,713 | $6,505-42.9% | $5,613-33.9% | $11,248-67.0% |