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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 | $296,950 | $100,125+196.6% | $81,482+264.4% | $145,978+103.4% |
| Participation rate | 20.0% | 74.2%-54.2pp | 69.5%-49.5pp | 80.3%-60.3pp |
| Annual return | 6.11% | 34.44%-28.3pp | 24.79%-18.7pp | 550.52%-544.4pp |
| Employer contribution / active EE | $293 | $2,977-90.2% | $2,463-88.1% | $4,662-93.7% |
| Participant deferral / active EE | $4,872 | $4,609+5.7% | $3,885+25.4% | $6,690-27.2% |
| Admin fee / account holder | $5,719 | $8,198-30.2% | $5,761-0.7% | $13,400-57.3% |