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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 | $573,368 | $183,627+212.2% | $155,602+268.5% | $145,978+292.8% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.3pp | 80.3%-37.4pp |
| Annual return | 8.30% | 61.32%-53.0pp | 64.81%-56.5pp | 550.52%-542.2pp |
| Employer contribution / active EE | $489 | $5,316-90.8% | $4,675-89.5% | $4,662-89.5% |
| Participant deferral / active EE | $8,567 | $6,466+32.5% | $5,629+52.2% | $6,690+28.1% |
| Admin fee / account holder | $29,773 | $19,327+54.0% | $15,923+87.0% | $13,400+122.2% |