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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 | $261,570 | $80,855+223.5% | $153,416+70.5% | $86,983+200.7% |
| Participation rate | 23.1% | 64.1%-41.1pp | 74.3%-51.3pp | 69.5%-46.5pp |
| Annual return | 10.22% | 16.18%-6.0pp | 17.84%-7.6pp | 25.83%-15.6pp |
| Employer contribution / active EE | $763 | $2,308-66.9% | $3,764-79.7% | $2,584-70.5% |
| Participant deferral / active EE | $1,091 | $3,333-67.3% | $4,723-76.9% | $4,194-74.0% |
| Admin fee / account holder | $3,358 | $6,908-51.4% | $13,095-74.4% | $7,856-57.3% |