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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $4,191,926 | $893,103+369.4% | $893,103+369.4% | $418,949+900.6% |
| Participation rate | 12.5% | 58.4%-45.9pp | 58.4%-45.9pp | 35.7%-23.2pp |
| Annual return | 12.56% | 10.32%+2.2pp | 10.59%+2.0pp | 15.19%-2.6pp |
| Employer contribution / active EE | $25,000 | $36,556-31.6% | $33,926-26.3% | $34,877-28.3% |
| Participant deferral / active EE | $0 | $15-100.0% | $14-100.0% | $86-100.0% |
| Admin fee / account holder | $9,974 | $4,376+127.9% | $4,376+127.9% | $50,584-80.3% |