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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 | $483,944 | $183,592+163.6% | $155,574+211.1% | $145,877+231.7% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 5.54% | 61.37%-55.8pp | 64.87%-59.3pp | 551.28%-545.7pp |
| Employer contribution / active EE | $1,046 | $5,317-80.3% | $4,676-77.6% | $4,663-77.6% |
| Participant deferral / active EE | $1,046 | $6,466-83.8% | $5,629-81.4% | $6,691-84.4% |
| Admin fee / account holder | $3,983 | $19,316-79.4% | $15,914-75.0% | $13,402-70.3% |