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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 | $209,336+67.9% | $197,124+78.3% | $137,256+156.0% |
| Participation rate | 69.2% | 87.3%-18.1pp | 86.7%-17.5pp | 80.0%-10.7pp |
| Annual return | 7.33% | 48.09%-40.8pp | 44.34%-37.0pp | 220.34%-213.0pp |
| Employer contribution / active EE | $335 | $6,591-94.9% | $6,227-94.6% | $4,156-91.9% |
| Participant deferral / active EE | $15,445 | $9,614+60.6% | $9,135+69.1% | $6,407+141.1% |
| Admin fee / account holder | $2,524 | $17,308-85.4% | $16,298-84.5% | $12,270-79.4% |