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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 | $277,719 | $181,062+53.4% | $158,223+75.5% | $155,188+79.0% |
| Participation rate | 40.0% | 82.7%-42.7pp | 79.2%-39.2pp | 80.8%-40.8pp |
| Annual return | 6.23% | 57.39%-51.2pp | 52.09%-45.9pp | 148.84%-142.6pp |
| Employer contribution / active EE | $529 | $4,565-88.4% | $4,109-87.1% | $4,248-87.6% |
| Participant deferral / active EE | $3,516 | $6,134-42.7% | $5,467-35.7% | $6,531-46.2% |
| Admin fee / account holder | $3,383 | $18,825-82.0% | $16,047-78.9% | $14,480-76.6% |