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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 | $24,694 | $102,638-75.9% | $81,991-69.9% | $158,966-84.5% |
| Participation rate | 33.3% | 75.5%-42.2pp | 69.3%-35.9pp | 82.0%-48.6pp |
| Annual return | -9.80% | 61.05%-70.9pp | 41.31%-51.1pp | 302.95%-312.7pp |
| Employer contribution / active EE | $490 | $3,241-84.9% | $2,498-80.4% | $4,762-89.7% |
| Participant deferral / active EE | $756 | $4,649-83.7% | $3,722-79.7% | $5,983-87.4% |
| Admin fee / account holder | $86,574 | $8,237+951.0% | $5,665+1428.3% | $11,250+669.5% |