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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 | $256,441 | $160,070+60.2% | $147,117+74.3% | $145,897+75.8% |
| Participation rate | 56.3% | 84.0%-27.8pp | 82.2%-25.9pp | 80.3%-24.1pp |
| Annual return | 2.31% | 98.69%-96.4pp | 420.54%-418.2pp | 552.29%-550.0pp |
| Employer contribution / active EE | $12,500 | $5,285+136.5% | $4,932+153.4% | $4,663+168.1% |
| Participant deferral / active EE | $476 | $8,419-94.4% | $8,065-94.1% | $6,689-92.9% |
| Admin fee / account holder | $2,424 | $15,035-83.9% | $12,993-81.3% | $13,390-81.9% |