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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).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,335 | $115,814-35.0% | $101,275-25.6% | $158,982-52.6% |
| Participation rate | 44.4% | 79.4%-34.9pp | 75.8%-31.4pp | 82.0%-37.5pp |
| Annual return | 12.71% | 56.16%-43.4pp | 46.48%-33.8pp | 302.99%-290.3pp |
| Employer contribution / active EE | $129,867 | $4,176+3010.1% | $3,660+3448.2% | $4,763+2626.7% |
| Participant deferral / active EE | $1,313 | $4,958-73.5% | $4,371-70.0% | $5,983-78.1% |
| Admin fee / account holder | $33,011 | $7,249+355.4% | $5,948+455.0% | $11,252+193.4% |