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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 | $539,276 | $110,379+388.6% | $102,412+426.6% | $145,884+269.7% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 4.17% | 24.84%-20.7pp | 24.94%-20.8pp | 551.85%-547.7pp |
| Employer contribution / active EE | $1,202 | $4,216-71.5% | $3,870-68.9% | $4,662-74.2% |
| Participant deferral / active EE | $1,502 | $5,622-73.3% | $5,060-70.3% | $6,690-77.5% |
| Admin fee / account holder | $6,252 | $9,745-35.8% | $8,388-25.5% | $13,392-53.3% |