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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.)
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 | $82,914 | $117,846-29.6% | $102,434-19.1% | $145,884-43.2% |
| Participation rate | 0.0% | 78.6%-78.6pp | 76.5%-76.5pp | 80.3%-80.3pp |
| Annual return | 12.93% | 31.90%-19.0pp | 29.46%-16.5pp | 551.85%-538.9pp |
| Employer contribution / active EE | $2,333 | $3,615-35.4% | $3,023-22.8% | $4,662-50.0% |
| Participant deferral / active EE | $900 | $5,733-84.3% | $5,055-82.2% | $6,690-86.5% |
| Admin fee / account holder | $450 | $13,356-96.6% | $9,462-95.2% | $13,392-96.6% |