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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 | $438,861 | $138,076+217.8% | $123,553+255.2% | $135,380+224.2% |
| Participation rate | 12.5% | 84.7%-72.2pp | 82.3%-69.8pp | 82.6%-70.1pp |
| Annual return | -12.68% | 153.70%-166.4pp | 119.21%-131.9pp | 519.81%-532.5pp |
| Employer contribution / active EE | $570 | $5,152-88.9% | $4,628-87.7% | $4,779-88.1% |
| Participant deferral / active EE | $2,313 | $6,800-66.0% | $6,426-64.0% | $5,609-58.8% |
| Admin fee / account holder | $6,608 | $10,917-39.5% | $9,284-28.8% | $10,828-39.0% |