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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 | $32,886 | $91,525-64.1% | $130,026-74.7% | $75,181-56.3% |
| Participation rate | 30.0% | 71.4%-41.4pp | 78.5%-48.5pp | 67.2%-37.2pp |
| Annual return | 11.94% | -631.40%+643.3pp | -137.26%+149.2pp | 160.69%-148.7pp |
| Employer contribution / active EE | $0 | $2,844-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $978 | $4,342-77.5% | $5,821-83.2% | $4,126-76.3% |
| Admin fee / account holder | $585 | $6,778-91.4% | $10,608-94.5% | $5,650-89.7% |