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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 | $305,768 | $27,943+994.2% | $58,507+422.6% | $75,177+306.7% |
| Participation rate | 7.7% | 38.8%-31.2pp | 50.9%-43.2pp | 67.2%-59.5pp |
| Annual return | 3.00% | 44.22%-41.2pp | 4252.32%-4249.3pp | 160.75%-157.8pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,497 | $1,202+24.6% | $1,922-22.1% | $4,126-63.7% |
| Admin fee / account holder | $8,363 | $1,727+384.2% | $2,486+236.4% | $5,651+48.0% |