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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 | $107,100 | $96,491+11.0% | $75,894+41.1% | $152,885-29.9% |
| Participation rate | 40.0% | 76.2%-36.2pp | 69.3%-29.3pp | 82.5%-42.5pp |
| Annual return | 21.42% | 33.98%-12.6pp | 30.76%-9.3pp | 345.39%-324.0pp |
| Employer contribution / active EE | $837 | $3,310-74.7% | $2,501-66.6% | $4,763-82.4% |
| Participant deferral / active EE | $3,345 | $4,553-26.5% | $3,603-7.2% | $5,851-42.8% |
| Admin fee / account holder | $610 | $8,079-92.4% | $5,420-88.7% | $11,598-94.7% |