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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 | $141,654 | $112,915+25.5% | $90,965+55.7% | $158,950-10.9% |
| Participation rate | 55.6% | 74.7%-19.2pp | 69.0%-13.5pp | 82.0%-26.4pp |
| Annual return | 7.70% | 215.75%-208.1pp | 134.57%-126.9pp | 302.91%-295.2pp |
| Employer contribution / active EE | $0 | $2,894-100.0% | $2,122-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $5,301 | $4,128+28.4% | $3,373+57.2% | $5,983-11.4% |
| Admin fee / account holder | $2,596 | $8,044-67.7% | $5,960-56.4% | $11,248-76.9% |