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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $388,676 | $184,014+111.2% | $161,149+141.2% | $138,895+179.8% |
| Participation rate | 50.0% | 82.1%-32.1pp | 78.8%-28.8pp | 79.9%-29.9pp |
| Annual return | 5.18% | 21.52%-16.3pp | 21.16%-16.0pp | 145.39%-140.2pp |
| Employer contribution / active EE | $2,542 | $5,055-49.7% | $4,360-41.7% | $4,194-39.4% |
| Participant deferral / active EE | $942 | $6,909-86.4% | $6,153-84.7% | $6,396-85.3% |
| Admin fee / account holder | $2,202 | $18,027-87.8% | $15,194-85.5% | $12,562-82.5% |