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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.)
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 | $351,690 | $183,516+91.6% | $155,534+126.1% | $145,884+141.1% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 22.42% | 61.43%-39.0pp | 64.92%-42.5pp | 551.85%-529.4pp |
| Employer contribution / active EE | $2,481 | $5,315-53.3% | $4,675-46.9% | $4,662-46.8% |
| Participant deferral / active EE | $4,272 | $6,467-33.9% | $5,630-24.1% | $6,690-36.1% |
| Admin fee / account holder | $6,580 | $19,293-65.9% | $15,900-58.6% | $13,392-50.9% |