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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 | $330,310 | $172,111+91.9% | $150,298+119.8% | $137,256+140.7% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 8.10% | 69.37%-61.3pp | 62.79%-54.7pp | 220.34%-212.2pp |
| Employer contribution / active EE | $2,200 | $4,636-52.5% | $4,154-47.0% | $4,156-47.1% |
| Participant deferral / active EE | $1,100 | $6,166-82.2% | $5,453-79.8% | $6,407-82.8% |
| Admin fee / account holder | $2,019 | $16,471-87.7% | $14,116-85.7% | $12,270-83.5% |