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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 | $258,760 | $185,312+39.6% | $161,489+60.2% | $154,746+67.2% |
| Participation rate | 18.8% | 82.5%-63.7pp | 78.7%-59.9pp | 80.7%-62.0pp |
| Annual return | 9.74% | 103.84%-94.1pp | 89.72%-80.0pp | 172.34%-162.6pp |
| Employer contribution / active EE | $691 | $4,769-85.5% | $4,268-83.8% | $4,379-84.2% |
| Participant deferral / active EE | $2,261 | $6,350-64.4% | $5,630-59.8% | $6,730-66.4% |
| Admin fee / account holder | $1,243 | $18,654-93.3% | $16,006-92.2% | $14,365-91.3% |