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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 | $64,303 | $75,832-15.2% | $147,617-56.4% | $59,633+7.8% |
| Participation rate | 33.3% | 71.6%-38.2pp | 84.6%-51.3pp | 68.7%-35.3pp |
| Annual return | -3.12% | 0.37%-3.5pp | 61.98%-65.1pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $528 | $3,485-84.8% | $5,564-90.5% | $2,203-76.0% |
| Participant deferral / active EE | $835 | $3,131-73.3% | $4,895-83.0% | $3,192-73.9% |
| Admin fee / account holder | $1,371 | $5,986-77.1% | $11,612-88.2% | $4,297-68.1% |