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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $143,784 | $405,731-64.6% | $147,304-2.4% | $405,731-64.6% |
| Participation rate | 50.0% | 91.9%-41.9pp | 84.4%-34.4pp | 91.9%-41.9pp |
| Annual return | 12.59% | 4.30%+8.3pp | 29.24%-16.6pp | 4.30%+8.3pp |
| Employer contribution / active EE | $0 | $26,636-100.0% | $5,766-100.0% | $26,636-100.0% |
| Participant deferral / active EE | $5,530 | $5,788-4.5% | $5,076+8.9% | $5,788-4.5% |
| Admin fee / account holder | $923 | $12,997-92.9% | $7,571-87.8% | $12,997-92.9% |