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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 | $44,189 | $153,769-71.3% | $133,975-67.0% | $273,972-83.9% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.1%-20.4pp | 83.0%-16.3pp |
| Annual return | -0.12% | 36.51%-36.6pp | 29.29%-29.4pp | 41.46%-41.6pp |
| Employer contribution / active EE | $9,221 | $6,029+53.0% | $5,211+77.0% | $4,869+89.4% |
| Participant deferral / active EE | $16,417 | $6,958+135.9% | $6,282+161.3% | $5,287+210.5% |
| Admin fee / account holder | $761 | $11,765-93.5% | $9,324-91.8% | $10,133-92.5% |