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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $109,993 | $138,072-20.3% | $123,549-11.0% | $135,382-18.8% |
| Participation rate | 54.5% | 84.7%-30.2pp | 82.3%-27.7pp | 82.6%-28.1pp |
| Annual return | -15.78% | 153.69%-169.5pp | 119.20%-135.0pp | 519.77%-535.5pp |
| Employer contribution / active EE | $2,356 | $5,152-54.3% | $4,628-49.1% | $4,779-50.7% |
| Participant deferral / active EE | $3,466 | $6,799-49.0% | $6,426-46.1% | $5,609-38.2% |
| Admin fee / account holder | $4,011 | $10,917-63.3% | $9,284-56.8% | $10,829-63.0% |