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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 | $299,915 | $166,242+80.4% | $165,071+81.7% | $145,884+105.6% |
| Participation rate | 27.3% | 82.0%-54.7pp | 78.6%-51.4pp | 80.3%-53.0pp |
| Annual return | 7.71% | 100.44%-92.7pp | 70.17%-62.5pp | 551.85%-544.1pp |
| Employer contribution / active EE | $409 | $5,283-92.3% | $4,347-90.6% | $4,662-91.2% |
| Participant deferral / active EE | $6,286 | $6,964-9.7% | $6,035+4.2% | $6,690-6.0% |
| Admin fee / account holder | $11,831 | $16,658-29.0% | $12,695-6.8% | $13,392-11.7% |