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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $707,846 | $106,588+564.1% | $94,215+651.3% | $155,188+356.1% |
| Participation rate | 37.5% | 74.3%-36.8pp | 70.0%-32.5pp | 80.8%-43.3pp |
| Annual return | -3.66% | 29.39%-33.1pp | 28.22%-31.9pp | 148.84%-152.5pp |
| Employer contribution / active EE | $912 | $3,080-70.4% | $2,675-65.9% | $4,248-78.5% |
| Participant deferral / active EE | $774 | $4,802-83.9% | $4,276-81.9% | $6,531-88.2% |
| Admin fee / account holder | $9,311 | $12,281-24.2% | $10,216-8.9% | $14,480-35.7% |