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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 | $359,921 | $111,814+221.9% | $103,378+248.2% | $145,978+146.6% |
| Participation rate | 8.3% | 77.9%-69.6pp | 74.5%-66.2pp | 80.3%-72.0pp |
| Annual return | 4.26% | 24.80%-20.5pp | 24.91%-20.6pp | 550.52%-546.3pp |
| Employer contribution / active EE | $735 | $4,215-82.6% | $3,870-81.0% | $4,662-84.2% |
| Participant deferral / active EE | $2,542 | $5,618-54.8% | $5,058-49.7% | $6,690-62.0% |
| Admin fee / account holder | $3,202 | $9,764-67.2% | $8,401-61.9% | $13,400-76.1% |