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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 | $20,271 | $70,666-71.3% | $169,385-88.0% | $75,181-73.0% |
| Participation rate | 12.1% | 64.8%-52.7pp | 77.2%-65.0pp | 67.2%-55.1pp |
| Annual return | -39.42% | 36.37%-75.8pp | 405.82%-445.2pp | 160.69%-200.1pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,090 | $4,308-74.7% | $6,221-82.5% | $4,126-73.6% |
| Admin fee / account holder | $9,717 | $5,402+79.9% | $9,011+7.8% | $5,650+72.0% |