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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $229,455 | $153,769+49.2% | $133,975+71.3% | $273,972-16.2% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.1%-20.4pp | 83.0%-16.3pp |
| Annual return | 13.11% | 36.51%-23.4pp | 29.29%-16.2pp | 41.46%-28.3pp |
| Employer contribution / active EE | $5,747 | $6,029-4.7% | $5,211+10.3% | $4,869+18.0% |
| Participant deferral / active EE | $11,183 | $6,958+60.7% | $6,282+78.0% | $5,287+111.5% |
| Admin fee / account holder | $5,251 | $11,765-55.4% | $9,324-43.7% | $10,133-48.2% |