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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 | $227,263 | $81,664+178.3% | $70,476+222.5% | $158,966+43.0% |
| Participation rate | 40.0% | 77.7%-37.7pp | 75.1%-35.1pp | 82.0%-42.0pp |
| Annual return | 3.74% | 208.59%-204.9pp | 109.12%-105.4pp | 302.95%-299.2pp |
| Employer contribution / active EE | $2,040 | $3,219-36.6% | $2,738-25.5% | $4,762-57.2% |
| Participant deferral / active EE | $6,700 | $4,556+47.1% | $3,710+80.6% | $5,983+12.0% |
| Admin fee / account holder | $860 | $6,197-86.1% | $3,847-77.6% | $11,250-92.4% |