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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 | $270,176 | $183,516+47.2% | $155,534+73.7% | $145,884+85.2% |
| Participation rate | 54.5% | 82.7%-28.2pp | 78.2%-23.7pp | 80.3%-25.8pp |
| Annual return | 6.71% | 61.43%-54.7pp | 64.92%-58.2pp | 551.85%-545.1pp |
| Employer contribution / active EE | $799 | $5,315-85.0% | $4,675-82.9% | $4,662-82.9% |
| Participant deferral / active EE | $5,579 | $6,467-13.7% | $5,630-0.9% | $6,690-16.6% |
| Admin fee / account holder | $2,138 | $19,293-88.9% | $15,900-86.6% | $13,392-84.0% |