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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 | $269,204 | $91,559+194.0% | $133,959+101.0% | $79,858+237.1% |
| Participation rate | 57.6% | 73.3%-15.8pp | 79.8%-22.3pp | 69.6%-12.1pp |
| Annual return | 9.70% | 61.85%-52.2pp | 45.09%-35.4pp | 31.72%-22.0pp |
| Employer contribution / active EE | $150 | $2,384-93.7% | $3,919-96.2% | $2,471-93.9% |
| Participant deferral / active EE | $5,102 | $3,734+36.7% | $5,047+1.1% | $3,740+36.4% |
| Admin fee / account holder | $3,165 | $6,321-49.9% | $8,928-64.6% | $5,306-40.4% |