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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 | $312,204 | $95,453+227.1% | $112,040+178.7% | $82,448+278.7% |
| Participation rate | 42.3% | 72.8%-30.4pp | 76.5%-34.2pp | 68.1%-25.8pp |
| Annual return | 11.85% | 23.92%-12.1pp | 24.52%-12.7pp | 41.64%-29.8pp |
| Employer contribution / active EE | $534 | $2,318-77.0% | $2,954-81.9% | $2,551-79.1% |
| Participant deferral / active EE | $3,204 | $4,224-24.2% | $5,098-37.2% | $4,139-22.6% |
| Admin fee / account holder | $59,068 | $9,013+555.3% | $12,098+388.2% | $7,234+716.5% |