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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 | $256,565 | $56,134+357.1% | $96,161+166.8% | $85,856+198.8% |
| Participation rate | 20.0% | 56.7%-36.7pp | 68.4%-48.4pp | 69.3%-49.3pp |
| Annual return | 11.33% | 42.30%-31.0pp | 192.01%-180.7pp | 318.58%-307.3pp |
| Employer contribution / active EE | $2,224 | $1,620+37.2% | $2,798-20.5% | $2,565-13.3% |
| Participant deferral / active EE | $742 | $2,858-74.0% | $4,349-82.9% | $3,952-81.2% |
| Admin fee / account holder | $5,672 | $3,769+50.5% | $5,538+2.4% | $6,261-9.4% |