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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 | $335,334 | $49,896+572.1% | $80,627+315.9% | $75,173+346.1% |
| Participation rate | 6.3% | 55.3%-49.0pp | 67.0%-60.7pp | 67.2%-60.9pp |
| Annual return | 10.77% | 34.67%-23.9pp | 936.76%-926.0pp | 160.72%-150.0pp |
| Employer contribution / active EE | $129 | $1,699-92.4% | $2,723-95.3% | $2,671-95.2% |
| Participant deferral / active EE | $1,110 | $2,992-62.9% | $4,443-75.0% | $4,126-73.1% |
| Admin fee / account holder | $3,048 | $3,578-14.8% | $5,381-43.4% | $5,651-46.1% |