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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 | $153,118 | $97,125+57.6% | $86,233+77.6% | $137,256+11.6% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 86.21% | 74.19%+12.0pp | 61.39%+24.8pp | 220.34%-134.1pp |
| Employer contribution / active EE | $740 | $2,841-74.0% | $2,504-70.5% | $4,156-82.2% |
| Participant deferral / active EE | $113 | $5,180-97.8% | $4,559-97.5% | $6,407-98.2% |
| Admin fee / account holder | $4,356 | $9,725-55.2% | $8,342-47.8% | $12,270-64.5% |