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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 | $107,421+160.5% | $182,262+53.5% | $94,015+197.7% |
| Participation rate | 26.7% | 77.8%-51.1pp | 84.2%-57.5pp | 70.8%-44.2pp |
| Annual return | 11.99% | 21.32%-9.3pp | 140.60%-128.6pp | 17.84%-5.9pp |
| Employer contribution / active EE | $110 | $3,448-96.8% | $5,046-97.8% | $2,790-96.1% |
| Participant deferral / active EE | $3,230 | $6,558-50.8% | $8,276-61.0% | $4,249-24.0% |
| Admin fee / account holder | $1,387 | $8,692-84.0% | $16,712-91.7% | $8,951-84.5% |