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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.)
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 | $528,735 | $198,461+166.4% | $170,436+210.2% | $147,585+258.3% |
| Participation rate | 42.9% | 88.0%-45.1pp | 83.6%-40.7pp | 82.8%-40.0pp |
| Annual return | 18.18% | 257.30%-239.1pp | 205.94%-187.8pp | 578.57%-560.4pp |
| Employer contribution / active EE | $3,486 | $6,184-43.6% | $5,433-35.8% | $4,876-28.5% |
| Participant deferral / active EE | $141 | $5,629-97.5% | $4,939-97.2% | $5,439-97.4% |
| Admin fee / account holder | $1,270 | $16,852-92.5% | $13,880-90.9% | $10,885-88.3% |