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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 | $258,636 | $96,508+168.0% | $75,901+240.8% | $152,897+69.2% |
| Participation rate | 55.0% | 76.2%-21.2pp | 69.3%-14.3pp | 82.5%-27.5pp |
| Annual return | 3.14% | 33.99%-30.9pp | 30.76%-27.6pp | 345.43%-342.3pp |
| Employer contribution / active EE | $0 | $3,310-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,930 | $4,554-13.7% | $3,603+9.1% | $5,851-32.8% |
| Admin fee / account holder | $6,819 | $8,081-15.6% | $5,420+25.8% | $11,599-41.2% |