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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 | $276,097 | $160,040+72.5% | $147,096+87.7% | $145,877+89.3% |
| Participation rate | 47.4% | 84.0%-36.7pp | 82.2%-34.8pp | 80.3%-32.9pp |
| Annual return | 8.68% | 98.49%-89.8pp | 419.75%-411.1pp | 551.28%-542.6pp |
| Employer contribution / active EE | $1,025 | $5,289-80.6% | $4,936-79.2% | $4,663-78.0% |
| Participant deferral / active EE | $4,064 | $8,429-51.8% | $8,071-49.6% | $6,691-39.3% |
| Admin fee / account holder | $488 | $15,050-96.8% | $13,005-96.2% | $13,402-96.4% |