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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 | $108,882+40.6% | $96,754+58.3% | $154,746-1.1% |
| Participation rate | 66.7% | 75.1%-8.4pp | 70.3%-3.6pp | 80.7%-14.0pp |
| Annual return | 86.21% | 98.39%-12.2pp | 82.04%+4.2pp | 172.34%-86.1pp |
| Employer contribution / active EE | $740 | $3,018-75.5% | $2,679-72.4% | $4,379-83.1% |
| Participant deferral / active EE | $113 | $5,323-97.9% | $4,758-97.6% | $6,730-98.3% |
| Admin fee / account holder | $4,356 | $10,200-57.3% | $8,905-51.1% | $14,365-69.7% |