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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $44,312 | $95,188-53.4% | $76,518-42.1% | $135,380-67.3% |
| Participation rate | 50.0% | 74.4%-24.4pp | 68.0%-18.0pp | 82.6%-32.6pp |
| Annual return | -17.39% | 4.85%-22.2pp | -0.27%-17.1pp | 519.81%-537.2pp |
| Employer contribution / active EE | $242 | $3,303-92.7% | $2,647-90.9% | $4,779-94.9% |
| Participant deferral / active EE | $363 | $4,640-92.2% | $3,836-90.5% | $5,609-93.5% |
| Admin fee / account holder | $3,886 | $6,249-37.8% | $4,849-19.8% | $10,828-64.1% |