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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 | $328,352 | $183,592+78.8% | $155,574+111.1% | $145,877+125.1% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 8.42% | 61.37%-53.0pp | 64.87%-56.4pp | 551.28%-542.9pp |
| Employer contribution / active EE | $721 | $5,317-86.4% | $4,676-84.6% | $4,663-84.5% |
| Participant deferral / active EE | $12,708 | $6,466+96.5% | $5,629+125.8% | $6,691+89.9% |
| Admin fee / account holder | $10,337 | $19,316-46.5% | $15,914-35.0% | $13,402-22.9% |