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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 | $358,397 | $126,661+183.0% | $113,397+216.1% | $138,895+158.0% |
| Participation rate | 44.4% | 79.4%-35.0pp | 76.5%-32.1pp | 79.9%-35.5pp |
| Annual return | 7.78% | 25.05%-17.3pp | 23.20%-15.4pp | 145.39%-137.6pp |
| Employer contribution / active EE | $924 | $3,456-73.3% | $2,977-69.0% | $4,194-78.0% |
| Participant deferral / active EE | $1,286 | $5,693-77.4% | $5,076-74.7% | $6,396-79.9% |
| Admin fee / account holder | $2,537 | $14,549-82.6% | $11,957-78.8% | $12,562-79.8% |