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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 | $444,755 | $183,516+142.4% | $155,534+186.0% | $145,884+204.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 7.33% | 61.43%-54.1pp | 64.92%-57.6pp | 551.85%-544.5pp |
| Employer contribution / active EE | $787 | $5,315-85.2% | $4,675-83.2% | $4,662-83.1% |
| Participant deferral / active EE | $5,840 | $6,467-9.7% | $5,630+3.7% | $6,690-12.7% |
| Admin fee / account holder | $32,664 | $19,293+69.3% | $15,900+105.4% | $13,392+143.9% |