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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 | $593,656 | $209,336+183.6% | $197,124+201.2% | $137,256+332.5% |
| Participation rate | 25.0% | 87.3%-62.3pp | 86.7%-61.7pp | 80.0%-55.0pp |
| Annual return | 9.98% | 48.09%-38.1pp | 44.34%-34.4pp | 220.34%-210.4pp |
| Employer contribution / active EE | $810 | $6,591-87.7% | $6,227-87.0% | $4,156-80.5% |
| Participant deferral / active EE | $8,688 | $9,614-9.6% | $9,135-4.9% | $6,407+35.6% |
| Admin fee / account holder | $6,154 | $17,308-64.4% | $16,298-62.2% | $12,270-49.8% |