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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 | $267,425 | $184,000+45.3% | $162,185+64.9% | $152,909+74.9% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.6%-37.6pp | 82.5%-32.5pp |
| Annual return | -9.15% | 150.80%-159.9pp | 115.61%-124.8pp | 345.46%-354.6pp |
| Employer contribution / active EE | $706 | $6,370-88.9% | $5,613-87.4% | $4,764-85.2% |
| Participant deferral / active EE | $5,337 | $8,033-33.6% | $7,297-26.9% | $5,851-8.8% |
| Admin fee / account holder | $18,500 | $13,124+41.0% | $10,844+70.6% | $11,601+59.5% |