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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 | $106,524+162.7% | $152,301+83.8% | $87,485+219.9% |
| Participation rate | 26.7% | 75.8%-49.1pp | 82.4%-55.8pp | 68.9%-42.3pp |
| Annual return | 11.99% | 26.89%-14.9pp | 80.50%-68.5pp | 26.06%-14.1pp |
| Employer contribution / active EE | $110 | $3,371-96.7% | $4,624-97.6% | $2,596-95.8% |
| Participant deferral / active EE | $3,230 | $6,525-50.5% | $8,004-59.6% | $4,274-24.4% |
| Admin fee / account holder | $1,387 | $8,287-83.3% | $14,398-90.4% | $7,775-82.2% |