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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 | $276,911 | $146,267+89.3% | $197,124+40.5% | $82,448+235.9% |
| Participation rate | 64.0% | 84.0%-20.0pp | 86.7%-22.7pp | 68.1%-4.1pp |
| Annual return | 12.60% | 29.61%-17.0pp | 44.34%-31.7pp | 41.64%-29.0pp |
| Employer contribution / active EE | $7,400 | $4,723+56.7% | $6,227+18.8% | $2,551+190.1% |
| Participant deferral / active EE | $0 | $7,035-100.0% | $9,135-100.0% | $4,139-100.0% |
| Admin fee / account holder | $2,143 | $14,422-85.1% | $16,298-86.9% | $7,234-70.4% |