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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 | $120,458 | $110,410+9.1% | $102,437+17.6% | $145,897-17.4% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | -16.99% | 24.85%-41.8pp | 24.95%-41.9pp | 552.29%-569.3pp |
| Employer contribution / active EE | $1,905 | $4,217-54.8% | $3,871-50.8% | $4,663-59.1% |
| Participant deferral / active EE | $2,209 | $5,622-60.7% | $5,060-56.3% | $6,689-67.0% |
| Admin fee / account holder | $3,794 | $9,745-61.1% | $8,388-54.8% | $13,390-71.7% |