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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $443,884 | $115,810+283.3% | $101,271+338.3% | $158,966+179.2% |
| Participation rate | 42.9% | 79.4%-36.5pp | 75.8%-32.9pp | 82.0%-39.1pp |
| Annual return | 3.47% | 56.15%-52.7pp | 46.48%-43.0pp | 302.95%-299.5pp |
| Employer contribution / active EE | $889 | $4,175-78.7% | $3,660-75.7% | $4,762-81.3% |
| Participant deferral / active EE | $1,040 | $4,958-79.0% | $4,371-76.2% | $5,983-82.6% |
| Admin fee / account holder | $14,720 | $7,248+103.1% | $5,948+147.5% | $11,250+30.8% |