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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 | $271,347 | $185,883+46.0% | $170,043+59.6% | $139,466+94.6% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 10.53% | 60.54%-50.0pp | 53.40%-42.9pp | 373.66%-363.1pp |
| Employer contribution / active EE | $369 | $7,596-95.1% | $6,790-94.6% | $4,754-92.2% |
| Participant deferral / active EE | $4,219 | $11,626-63.7% | $10,410-59.5% | $6,712-37.1% |
| Admin fee / account holder | $12,876 | $15,393-16.4% | $12,824+0.4% | $11,409+12.9% |