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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 | $338,909 | $124,314+172.6% | $109,163+210.5% | $167,518+102.3% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.9%-15.9pp | 82.1%-22.1pp |
| Annual return | 5.39% | 26.04%-20.7pp | 25.75%-20.4pp | 478.71%-473.3pp |
| Employer contribution / active EE | $555 | $4,209-86.8% | $3,723-85.1% | $4,838-88.5% |
| Participant deferral / active EE | $1,591 | $5,256-69.7% | $4,654-65.8% | $6,342-74.9% |
| Admin fee / account holder | $3,455 | $7,973-56.7% | $6,754-48.8% | $12,312-71.9% |