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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 | $145,431+90.4% | $211,142+31.1% | $87,485+216.5% |
| Participation rate | 64.0% | 84.7%-20.7pp | 87.3%-23.3pp | 68.9%-4.9pp |
| Annual return | 12.60% | 27.21%-14.6pp | 46.84%-34.2pp | 26.06%-13.5pp |
| Employer contribution / active EE | $7,400 | $4,662+58.7% | $6,442+14.9% | $2,596+185.0% |
| Participant deferral / active EE | $0 | $6,859-100.0% | $9,284-100.0% | $4,274-100.0% |
| Admin fee / account holder | $2,143 | $17,052-87.4% | $19,076-88.8% | $7,775-72.4% |