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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.)
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 | $90,070 | $180,462-50.1% | $154,111-41.6% | $135,379-33.5% |
| Participation rate | 50.0% | 87.4%-37.4pp | 83.0%-33.0pp | 82.6%-32.6pp |
| Annual return | 17.26% | 888.17%-870.9pp | 735.18%-717.9pp | 519.79%-502.5pp |
| Employer contribution / active EE | $930 | $6,036-84.6% | $5,298-82.4% | $4,779-80.5% |
| Participant deferral / active EE | $6,746 | $5,806+16.2% | $5,081+32.8% | $5,609+20.3% |
| Admin fee / account holder | $7,121 | $16,145-55.9% | $13,411-46.9% | $10,828-34.2% |