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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 | $391,940 | $104,937+273.5% | $84,628+363.1% | $152,897+156.3% |
| Participation rate | 30.0% | 74.8%-44.8pp | 68.2%-38.2pp | 82.5%-52.5pp |
| Annual return | 2.39% | 373.88%-371.5pp | 258.80%-256.4pp | 345.43%-343.0pp |
| Employer contribution / active EE | $392 | $3,303-88.1% | $2,653-85.2% | $4,764-91.8% |
| Participant deferral / active EE | $574 | $4,690-87.8% | $3,900-85.3% | $5,851-90.2% |
| Admin fee / account holder | $622 | $6,243-90.0% | $4,914-87.3% | $11,599-94.6% |