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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 | $282,225 | $154,228+83.0% | $145,433+94.1% | $137,256+105.6% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 10.63% | 74.59%-64.0pp | 66.58%-55.9pp | 220.34%-209.7pp |
| Employer contribution / active EE | $723 | $4,804-84.9% | $4,554-84.1% | $4,156-82.6% |
| Participant deferral / active EE | $8,889 | $8,216+8.2% | $7,897+12.6% | $6,407+38.7% |
| Admin fee / account holder | $18,220 | $14,344+27.0% | $13,129+38.8% | $12,270+48.5% |