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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 | $95,937 | $81,870+17.2% | $119,634-19.8% | $68,490+40.1% |
| Participation rate | 50.0% | 71.9%-21.9pp | 79.3%-29.3pp | 67.9%-17.9pp |
| Annual return | -18.56% | -23.82%+5.3pp | -14.98%-3.6pp | -7.85%-10.7pp |
| Employer contribution / active EE | $2,157 | $2,692-19.9% | $4,232-49.0% | $2,597-16.9% |
| Participant deferral / active EE | $6,558 | $4,148+58.1% | $5,601+17.1% | $4,028+62.8% |
| Admin fee / account holder | $4,922 | $6,583-25.2% | $10,329-52.4% | $5,403-8.9% |