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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 | $110,137+131.1% | $161,149+58.0% | $82,637+208.0% |
| Participation rate | 46.7% | 72.4%-25.7pp | 78.8%-32.2pp | 68.1%-21.4pp |
| Annual return | 10.87% | 20.69%-9.8pp | 21.16%-10.3pp | 53.51%-42.6pp |
| Employer contribution / active EE | $694 | $2,856-75.7% | $4,360-84.1% | $2,552-72.8% |
| Participant deferral / active EE | $2,996 | $4,575-34.5% | $6,153-51.3% | $4,126-27.4% |
| Admin fee / account holder | $22,614 | $9,467+138.9% | $15,194+48.8% | $7,339+208.1% |