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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 | $335,039 | $183,592+82.5% | $155,574+115.4% | $145,877+129.7% |
| Participation rate | 19.0% | 82.7%-63.7pp | 78.2%-59.2pp | 80.3%-61.3pp |
| Annual return | 8.49% | 61.37%-52.9pp | 64.87%-56.4pp | 551.28%-542.8pp |
| Employer contribution / active EE | $782 | $5,317-85.3% | $4,676-83.3% | $4,663-83.2% |
| Participant deferral / active EE | $2,532 | $6,466-60.8% | $5,629-55.0% | $6,691-62.2% |
| Admin fee / account holder | $20,523 | $19,316+6.2% | $15,914+29.0% | $13,402+53.1% |