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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 | $250,784 | $57,541+335.8% | $95,759+161.9% | $75,177+233.6% |
| Participation rate | 43.8% | 62.5%-18.8pp | 72.3%-28.5pp | 67.2%-23.5pp |
| Annual return | 12.89% | 34.93%-22.0pp | 28.42%-15.5pp | 160.75%-147.9pp |
| Employer contribution / active EE | $0 | $1,808-100.0% | $2,836-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,554 | $3,074+48.1% | $4,244+7.3% | $4,126+10.4% |
| Admin fee / account holder | $5,930 | $4,099+44.7% | $5,678+4.4% | $5,651+4.9% |