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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 | $268,906 | $81,487+230.0% | $102,412+162.6% | $80,935+232.2% |
| Participation rate | 22.4% | 66.8%-44.4pp | 74.5%-52.1pp | 67.7%-45.2pp |
| Annual return | 9.91% | 25.60%-15.7pp | 24.94%-15.0pp | 35.66%-25.7pp |
| Employer contribution / active EE | $628 | $3,103-79.8% | $3,870-83.8% | $2,757-77.2% |
| Participant deferral / active EE | $3,831 | $3,871-1.0% | $5,060-24.3% | $4,299-10.9% |
| Admin fee / account holder | $4,971 | $6,717-26.0% | $8,388-40.7% | $6,924-28.2% |