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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 | $270,615 | $168,636+60.5% | $147,618+83.3% | $125,388+115.8% |
| Participation rate | 25.0% | 88.8%-63.8pp | 84.6%-59.6pp | 83.2%-58.2pp |
| Annual return | -5.95% | 77.65%-83.6pp | 61.98%-67.9pp | 282.24%-288.2pp |
| Employer contribution / active EE | $785 | $6,252-87.4% | $5,565-85.9% | $4,866-83.9% |
| Participant deferral / active EE | $2,875 | $5,507-47.8% | $4,895-41.3% | $5,352-46.3% |
| Admin fee / account holder | $3,436 | $13,580-74.7% | $11,612-70.4% | $9,541-64.0% |