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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $490,086 | $114,130+329.4% | $96,192+409.5% | $167,553+192.5% |
| Participation rate | 60.0% | 75.1%-15.1pp | 68.4%-8.4pp | 82.1%-22.1pp |
| Annual return | 22.60% | 190.07%-167.5pp | 192.09%-169.5pp | 478.89%-456.3pp |
| Employer contribution / active EE | $29 | $3,431-99.1% | $2,799-98.9% | $4,840-99.4% |
| Participant deferral / active EE | $15,600 | $5,198+200.1% | $4,351+258.6% | $6,343+146.0% |
| Admin fee / account holder | $5,581 | $6,901-19.1% | $5,539+0.8% | $12,316-54.7% |