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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 | $662,149 | $183,539+260.8% | $155,556+325.7% | $145,897+353.8% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.84% | 61.31%-54.5pp | 64.84%-58.0pp | 552.29%-545.5pp |
| Employer contribution / active EE | $504 | $5,315-90.5% | $4,675-89.2% | $4,663-89.2% |
| Participant deferral / active EE | $7,500 | $6,467+16.0% | $5,631+33.2% | $6,689+12.1% |
| Admin fee / account holder | $7,400 | $19,275-61.6% | $15,885-53.4% | $13,390-44.7% |