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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $300,786 | $88,710+239.1% | $81,783+267.8% | $145,959+106.1% |
| Participation rate | 37.5% | 75.0%-37.5pp | 72.4%-34.9pp | 80.3%-42.8pp |
| Annual return | 7.39% | 1027.26%-1019.9pp | 775.05%-767.7pp | 561.95%-554.6pp |
| Employer contribution / active EE | $371 | $3,083-88.0% | $2,913-87.3% | $4,661-92.1% |
| Participant deferral / active EE | $590 | $4,645-87.3% | $4,320-86.3% | $6,689-91.2% |
| Admin fee / account holder | $32,258 | $8,407+283.7% | $7,380+337.1% | $13,398+140.8% |