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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 | $346,321 | $100,805+243.6% | $86,698+299.5% | $134,532+157.4% |
| Participation rate | 18.2% | 79.0%-60.8pp | 76.6%-58.4pp | 81.2%-63.0pp |
| Annual return | -25.53% | 29.09%-54.6pp | 35.95%-61.5pp | 418.27%-443.8pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $945 | $5,339-82.3% | $4,656-79.7% | $6,401-85.2% |
| Admin fee / account holder | $17,207 | $10,925+57.5% | $7,493+129.6% | $11,429+50.6% |