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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 | $171,998 | $110,379+55.8% | $102,412+67.9% | $145,884+17.9% |
| Participation rate | 47.1% | 77.9%-30.9pp | 74.5%-27.4pp | 80.3%-33.2pp |
| Annual return | 15.49% | 24.84%-9.4pp | 24.94%-9.5pp | 551.85%-536.4pp |
| Employer contribution / active EE | $2,648 | $4,216-37.2% | $3,870-31.6% | $4,662-43.2% |
| Participant deferral / active EE | $3,286 | $5,622-41.5% | $5,060-35.1% | $6,690-50.9% |
| Admin fee / account holder | $1,335 | $9,745-86.3% | $8,388-84.1% | $13,392-90.0% |