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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 | $404,275 | $165,381+144.5% | $149,730+170.0% | $158,966+154.3% |
| Participation rate | 15.0% | 84.6%-69.6pp | 82.5%-67.5pp | 82.0%-67.0pp |
| Annual return | 6.79% | 348.29%-341.5pp | 276.70%-269.9pp | 302.95%-296.2pp |
| Employer contribution / active EE | $557 | $5,104-89.1% | $4,645-88.0% | $4,762-88.3% |
| Participant deferral / active EE | $3,229 | $7,182-55.0% | $6,843-52.8% | $5,983-46.0% |
| Admin fee / account holder | $15,914 | $10,809+47.2% | $9,310+70.9% | $11,250+41.5% |