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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 | $185,312+78.2% | $161,489+104.5% | $154,746+113.5% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 8.10% | 103.84%-95.7pp | 89.72%-81.6pp | 172.34%-164.2pp |
| Employer contribution / active EE | $2,200 | $4,769-53.9% | $4,268-48.5% | $4,379-49.8% |
| Participant deferral / active EE | $1,100 | $6,350-82.7% | $5,630-80.5% | $6,730-83.7% |
| Admin fee / account holder | $2,019 | $18,654-89.2% | $16,006-87.4% | $14,365-85.9% |