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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 | $371,764 | $185,312+100.6% | $161,489+130.2% | $154,746+140.2% |
| Participation rate | 63.6% | 82.5%-18.8pp | 78.7%-15.1pp | 80.7%-17.1pp |
| Annual return | 10.07% | 103.84%-93.8pp | 89.72%-79.7pp | 172.34%-162.3pp |
| Employer contribution / active EE | $972 | $4,769-79.6% | $4,268-77.2% | $4,379-77.8% |
| Participant deferral / active EE | $5,383 | $6,350-15.2% | $5,630-4.4% | $6,730-20.0% |
| Admin fee / account holder | $30,167 | $18,654+61.7% | $16,006+88.5% | $14,365+110.0% |