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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 | $301,998 | $108,825+177.5% | $156,181+93.4% | $82,448+266.3% |
| Participation rate | 64.0% | 72.4%-8.4pp | 78.8%-14.8pp | 68.1%-4.1pp |
| Annual return | 12.27% | 20.59%-8.3pp | 64.87%-52.6pp | 41.64%-29.4pp |
| Employer contribution / active EE | $776 | $2,870-73.0% | $4,294-81.9% | $2,551-69.6% |
| Participant deferral / active EE | $4,224 | $4,577-7.7% | $6,132-31.1% | $4,139+2.1% |
| Admin fee / account holder | $6,260 | $9,341-33.0% | $14,586-57.1% | $7,234-13.5% |