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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 | $88,040 | $65,041+35.4% | $90,965-3.2% | $79,858+10.2% |
| Participation rate | 0.0% | 61.6%-61.6pp | 69.0%-69.0pp | 69.6%-69.6pp |
| Annual return | 24.43% | 30.45%-6.0pp | 134.57%-110.1pp | 31.72%-7.3pp |
| Employer contribution / active EE | $1,588 | $1,247+27.3% | $2,122-25.2% | $2,471-35.7% |
| Participant deferral / active EE | $3,593 | $2,512+43.0% | $3,373+6.5% | $3,740-3.9% |
| Admin fee / account holder | $2,194 | $4,536-51.6% | $5,960-63.2% | $5,306-58.7% |