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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).
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 | $40,049 | $100,970-60.3% | $96,576-58.5% | $137,256-70.8% |
| Participation rate | 50.0% | 82.6%-32.6pp | 81.4%-31.4pp | 80.0%-30.0pp |
| Annual return | 3.57% | 38.16%-34.6pp | 38.47%-34.9pp | 220.34%-216.8pp |
| Employer contribution / active EE | $8,393 | $3,809+120.3% | $3,553+136.2% | $4,156+101.9% |
| Participant deferral / active EE | $12,298 | $8,286+48.4% | $7,956+54.6% | $6,407+91.9% |
| Admin fee / account holder | $97,268 | $11,312+759.9% | $11,381+754.7% | $12,270+692.7% |