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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 | $254,548 | $115,931+119.6% | $185,441+37.3% | $86,983+192.6% |
| Participation rate | 46.7% | 73.6%-27.0pp | 80.3%-33.6pp | 69.5%-22.9pp |
| Annual return | 10.87% | 21.47%-10.6pp | 20.16%-9.3pp | 25.83%-15.0pp |
| Employer contribution / active EE | $694 | $2,937-76.4% | $4,672-85.1% | $2,584-73.1% |
| Participant deferral / active EE | $2,996 | $4,551-34.2% | $6,152-51.3% | $4,194-28.6% |
| Admin fee / account holder | $22,614 | $10,687+111.6% | $17,890+26.4% | $7,856+187.9% |