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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 | $22,203 | $75,832-70.7% | $147,617-85.0% | $59,633-62.8% |
| Participation rate | 18.3% | 71.6%-53.2pp | 84.6%-66.3pp | 68.7%-50.3pp |
| Annual return | -2.93% | 0.37%-3.3pp | 61.98%-64.9pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $307 | $3,131-90.2% | $4,895-93.7% | $3,192-90.4% |
| Admin fee / account holder | $3,917 | $5,986-34.6% | $11,612-66.3% | $4,297-8.8% |