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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 | $382,926 | $227,399+68.4% | $189,758+101.8% | $198,609+92.8% |
| Participation rate | 36.4% | 84.0%-47.6pp | 79.8%-43.4pp | 82.4%-46.0pp |
| Annual return | 0.80% | 61.03%-60.2pp | 52.62%-51.8pp | 202.70%-201.9pp |
| Employer contribution / active EE | $954 | $5,526-82.7% | $4,767-80.0% | $5,055-81.1% |
| Participant deferral / active EE | $5,441 | $6,837-20.4% | $5,856-7.1% | $6,977-22.0% |
| Admin fee / account holder | $16,605 | $25,162-34.0% | $20,388-18.6% | $19,030-12.7% |