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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 | $363,636 | $178,174+104.1% | $156,181+132.8% | $137,256+164.9% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.8%-16.3pp | 80.0%-17.5pp |
| Annual return | 9.87% | 84.19%-74.3pp | 64.87%-55.0pp | 220.34%-210.5pp |
| Employer contribution / active EE | $922 | $4,972-81.5% | $4,294-78.5% | $4,156-77.8% |
| Participant deferral / active EE | $9,220 | $6,888+33.9% | $6,132+50.4% | $6,407+43.9% |
| Admin fee / account holder | $40,366 | $17,404+131.9% | $14,586+176.7% | $12,270+229.0% |