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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 | $335,898 | $201,370+66.8% | $184,256+82.3% | $145,897+130.2% |
| Participation rate | 50.0% | 87.5%-37.5pp | 86.8%-36.8pp | 80.3%-30.3pp |
| Annual return | 8.43% | 29.05%-20.6pp | 28.85%-20.4pp | 552.29%-543.9pp |
| Employer contribution / active EE | $1,411 | $7,024-79.9% | $6,427-78.1% | $4,663-69.7% |
| Participant deferral / active EE | $6,492 | $9,808-33.8% | $9,133-28.9% | $6,689-3.0% |
| Admin fee / account holder | $10,548 | $16,364-35.5% | $13,899-24.1% | $13,390-21.2% |