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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 | $397,790 | $160,070+148.5% | $147,117+170.4% | $145,897+172.7% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 13.60% | 98.69%-85.1pp | 420.54%-406.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $1,510 | $5,285-71.4% | $4,932-69.4% | $4,663-67.6% |
| Participant deferral / active EE | $13,367 | $8,419+58.8% | $8,065+65.7% | $6,689+99.8% |
| Admin fee / account holder | $19,873 | $15,035+32.2% | $12,993+53.0% | $13,390+48.4% |