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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 | $437,206 | $106,247+311.5% | $96,515+353.0% | $139,466+213.5% |
| Participation rate | 16.7% | 77.8%-61.2pp | 74.3%-57.7pp | 80.3%-63.7pp |
| Annual return | -11.38% | 38.47%-49.8pp | 35.73%-47.1pp | 373.66%-385.0pp |
| Employer contribution / active EE | $1,123 | $4,106-72.7% | $3,740-70.0% | $4,754-76.4% |
| Participant deferral / active EE | $957 | $5,456-82.5% | $4,880-80.4% | $6,712-85.7% |
| Admin fee / account holder | $1,207 | $7,885-84.7% | $6,735-82.1% | $11,409-89.4% |