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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 | $351,877 | $212,386+65.7% | $199,883+76.0% | $138,895+153.3% |
| Participation rate | 50.0% | 87.4%-37.4pp | 86.8%-36.8pp | 79.9%-29.9pp |
| Annual return | 11.23% | 47.75%-36.5pp | 43.81%-32.6pp | 145.39%-134.2pp |
| Employer contribution / active EE | $1,244 | $6,625-81.2% | $6,261-80.1% | $4,194-70.3% |
| Participant deferral / active EE | $6,230 | $9,617-35.2% | $9,138-31.8% | $6,396-2.6% |
| Admin fee / account holder | $120,350 | $18,233+560.1% | $17,268+597.0% | $12,562+858.0% |