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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 | $223,823+165.2% | $211,142+181.2% | $154,746+283.6% |
| Participation rate | 25.0% | 87.9%-62.9pp | 87.3%-62.3pp | 80.7%-55.7pp |
| Annual return | 9.98% | 50.39%-40.4pp | 46.84%-36.9pp | 172.34%-162.4pp |
| Employer contribution / active EE | $810 | $6,787-88.1% | $6,442-87.4% | $4,379-81.5% |
| Participant deferral / active EE | $8,688 | $9,750-10.9% | $9,284-6.4% | $6,730+29.1% |
| Admin fee / account holder | $6,154 | $19,707-68.8% | $19,076-67.7% | $14,365-57.2% |