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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 | $287,601 | $105,198+173.4% | $159,455+80.4% | $85,856+235.0% |
| Participation rate | 55.2% | 75.8%-20.6pp | 82.8%-27.7pp | 69.3%-14.1pp |
| Annual return | 10.84% | 45.08%-34.2pp | 263.63%-252.8pp | 318.58%-307.7pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,830-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $10,736 | $5,946+80.6% | $7,353+46.0% | $3,952+171.7% |
| Admin fee / account holder | $9,037 | $6,934+30.3% | $10,800-16.3% | $6,261+44.3% |