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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 | $153,971 | $133,981+14.9% | $112,249+37.2% | $134,532+14.4% |
| Participation rate | 45.5% | 78.6%-33.1pp | 75.1%-29.6pp | 81.2%-35.8pp |
| Annual return | -15.78% | 47.16%-62.9pp | 27.48%-43.3pp | 418.27%-434.0pp |
| Employer contribution / active EE | $2,159 | $4,040-46.5% | $3,636-40.6% | $4,741-54.5% |
| Participant deferral / active EE | $2,159 | $5,292-59.2% | $4,729-54.3% | $6,401-66.3% |
| Admin fee / account holder | $5,356 | $7,492-28.5% | $6,412-16.5% | $11,429-53.1% |