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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 | $374,973 | $57,140+556.2% | $85,240+339.9% | $80,959+363.2% |
| Participation rate | 5.6% | 56.4%-50.9pp | 67.5%-62.0pp | 67.7%-62.1pp |
| Annual return | 7.38% | 21.71%-14.3pp | 66.75%-59.4pp | 35.67%-28.3pp |
| Employer contribution / active EE | $123 | $1,802-93.2% | $2,735-95.5% | $2,757-95.5% |
| Participant deferral / active EE | $911 | $3,115-70.7% | $4,527-79.9% | $4,300-78.8% |
| Admin fee / account holder | $3,576 | $4,992-28.4% | $6,165-42.0% | $6,925-48.4% |