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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.)
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,996 | $118,869-85.7% | $96,575-82.4% | $167,518-89.9% |
| Participation rate | 17.6% | 75.5%-57.8pp | 69.8%-52.2pp | 82.1%-64.5pp |
| Annual return | -6.34% | 50.49%-56.8pp | 37.79%-44.1pp | 478.71%-485.1pp |
| Employer contribution / active EE | $0 | $3,120-100.0% | $2,357-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $744 | $4,616-83.9% | $3,849-80.7% | $6,342-88.3% |
| Admin fee / account holder | $2,729 | $8,067-66.2% | $6,182-55.9% | $12,312-77.8% |