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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 | $351,403 | $223,823+57.0% | $211,142+66.4% | $154,746+127.1% |
| Participation rate | 69.2% | 87.9%-18.6pp | 87.3%-18.1pp | 80.7%-11.5pp |
| Annual return | 7.33% | 50.39%-43.1pp | 46.84%-39.5pp | 172.34%-165.0pp |
| Employer contribution / active EE | $335 | $6,787-95.1% | $6,442-94.8% | $4,379-92.3% |
| Participant deferral / active EE | $15,445 | $9,750+58.4% | $9,284+66.4% | $6,730+129.5% |
| Admin fee / account holder | $2,524 | $19,707-87.2% | $19,076-86.8% | $14,365-82.4% |