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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 | $306,874 | $162,136+89.3% | $152,301+101.5% | $154,746+98.3% |
| Participation rate | 64.3% | 84.1%-19.8pp | 82.4%-18.2pp | 80.7%-16.4pp |
| Annual return | 7.65% | 91.02%-83.4pp | 80.50%-72.9pp | 172.34%-164.7pp |
| Employer contribution / active EE | $892 | $4,890-81.8% | $4,624-80.7% | $4,379-79.6% |
| Participant deferral / active EE | $5,982 | $8,341-28.3% | $8,004-25.3% | $6,730-11.1% |
| Admin fee / account holder | $4,307 | $15,759-72.7% | $14,398-70.1% | $14,365-70.0% |