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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 | $279,858 | $106,749+162.2% | $145,433+92.4% | $82,448+239.4% |
| Participation rate | 26.7% | 75.6%-49.0pp | 82.1%-55.5pp | 68.1%-41.4pp |
| Annual return | 11.99% | 27.59%-15.6pp | 66.58%-54.6pp | 41.64%-29.7pp |
| Employer contribution / active EE | $110 | $3,444-96.8% | $4,554-97.6% | $2,551-95.7% |
| Participant deferral / active EE | $3,230 | $6,519-50.5% | $7,897-59.1% | $4,139-22.0% |
| Admin fee / account holder | $1,387 | $8,390-83.5% | $13,129-89.4% | $7,234-80.8% |