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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 | $255,068 | $103,393+146.7% | $87,103+192.8% | $152,909+66.8% |
| Participation rate | 37.5% | 79.4%-41.9pp | 76.9%-39.4pp | 82.5%-45.0pp |
| Annual return | 4.49% | 28.10%-23.6pp | 28.19%-23.7pp | 345.46%-341.0pp |
| Employer contribution / active EE | $571 | $3,221-82.3% | $2,521-77.3% | $4,764-88.0% |
| Participant deferral / active EE | $3,043 | $4,778-36.3% | $4,049-24.8% | $5,851-48.0% |
| Admin fee / account holder | $6,084 | $12,195-50.1% | $7,491-18.8% | $11,601-47.6% |