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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.)
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 | $312,087 | $168,636+85.1% | $147,618+111.4% | $125,388+148.9% |
| Participation rate | 33.3% | 88.8%-55.4pp | 84.6%-51.3pp | 83.2%-49.9pp |
| Annual return | -9.89% | 77.65%-87.5pp | 61.98%-71.9pp | 282.24%-292.1pp |
| Employer contribution / active EE | $14,245 | $6,252+127.8% | $5,565+156.0% | $4,866+192.7% |
| Participant deferral / active EE | $9,249 | $5,507+68.0% | $4,895+88.9% | $5,352+72.8% |
| Admin fee / account holder | $3,134 | $13,580-76.9% | $11,612-73.0% | $9,541-67.1% |