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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 | $310,672 | $160,028+94.1% | $147,080+111.2% | $145,884+113.0% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 22.16% | 98.60%-76.4pp | 420.17%-398.0pp | 551.85%-529.7pp |
| Employer contribution / active EE | $627 | $5,286-88.1% | $4,933-87.3% | $4,662-86.6% |
| Participant deferral / active EE | $3,842 | $8,422-54.4% | $8,066-52.4% | $6,690-42.6% |
| Admin fee / account holder | $1,837 | $15,030-87.8% | $12,989-85.9% | $13,392-86.3% |