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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 | $213,785+81.8% | $185,441+109.6% | $155,188+150.5% |
| Participation rate | 50.0% | 83.2%-33.2pp | 80.3%-30.3pp | 80.8%-30.8pp |
| Annual return | 5.18% | 19.97%-14.8pp | 20.16%-15.0pp | 148.84%-143.7pp |
| Employer contribution / active EE | $2,542 | $5,393-52.9% | $4,672-45.6% | $4,248-40.2% |
| Participant deferral / active EE | $942 | $6,864-86.3% | $6,152-84.7% | $6,531-85.6% |
| Admin fee / account holder | $2,202 | $21,134-89.6% | $17,890-87.7% | $14,480-84.8% |