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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 | $31,347 | $84,482-62.9% | $125,363-75.0% | $66,930-53.2% |
| Participation rate | 31.2% | 76.4%-45.2pp | 82.4%-51.2pp | 69.8%-38.6pp |
| Annual return | -19.76% | -8.49%-11.3pp | 572.15%-591.9pp | 1.57%-21.3pp |
| Employer contribution / active EE | $0 | $3,553-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,094 | $6,782-69.1% | $7,447-71.9% | $4,238-50.6% |
| Admin fee / account holder | $1,224 | $685+78.6% | $10,005-87.8% | $593+106.2% |