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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 | $349,224 | $162,136+115.4% | $152,301+129.3% | $154,746+125.7% |
| Participation rate | 53.8% | 84.1%-30.3pp | 82.4%-28.6pp | 80.7%-26.9pp |
| Annual return | 11.37% | 91.02%-79.7pp | 80.50%-69.1pp | 172.34%-161.0pp |
| Employer contribution / active EE | $1,272 | $4,890-74.0% | $4,624-72.5% | $4,379-71.0% |
| Participant deferral / active EE | $1,791 | $8,341-78.5% | $8,004-77.6% | $6,730-73.4% |
| Admin fee / account holder | $4,963 | $15,759-68.5% | $14,398-65.5% | $14,365-65.5% |