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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 | $103,897 | $91,537+13.5% | $130,045-20.1% | $75,173+38.2% |
| Participation rate | 40.6% | 71.5%-30.8pp | 78.5%-37.9pp | 67.2%-26.6pp |
| Annual return | 11.95% | -631.55%+643.5pp | -137.30%+149.3pp | 160.72%-148.8pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,762 | $4,343-59.4% | $5,820-69.7% | $4,126-57.3% |
| Admin fee / account holder | $10,724 | $6,780+58.2% | $10,600+1.2% | $5,651+89.8% |