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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).
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 | $266,781 | $135,956+96.2% | $123,894+115.3% | $273,972-2.6% |
| Participation rate | 62.5% | 84.1%-21.6pp | 81.4%-18.9pp | 83.0%-20.5pp |
| Annual return | -0.26% | 56.63%-56.9pp | 47.52%-47.8pp | 41.46%-41.7pp |
| Employer contribution / active EE | $1,949 | $5,170-62.3% | $4,617-57.8% | $4,869-60.0% |
| Participant deferral / active EE | $1,383 | $6,343-78.2% | $5,984-76.9% | $5,287-73.8% |
| Admin fee / account holder | $6,475 | $9,817-34.0% | $8,357-22.5% | $10,133-36.1% |