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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 | $412,123 | $185,312+122.4% | $161,489+155.2% | $154,746+166.3% |
| Participation rate | 35.0% | 82.5%-47.5pp | 78.7%-43.7pp | 80.7%-45.7pp |
| Annual return | 6.50% | 103.84%-97.3pp | 89.72%-83.2pp | 172.34%-165.8pp |
| Employer contribution / active EE | $623 | $4,769-86.9% | $4,268-85.4% | $4,379-85.8% |
| Participant deferral / active EE | $3,890 | $6,350-38.7% | $5,630-30.9% | $6,730-42.2% |
| Admin fee / account holder | $9,085 | $18,654-51.3% | $16,006-43.2% | $14,365-36.8% |