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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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.
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 | $841,727 | $1,004,018-16.2% | $913,199-7.8% | $428,746+96.3% |
| Participation rate | 100.0% | 93.9%+6.1pp | 93.9%+6.1pp | 88.2%+11.8pp |
| Annual return | 22.67% | -6.12%+28.8pp | -5.65%+28.3pp | 331.92%-309.3pp |
| Employer contribution / active EE | $0 | $11,046-100.0% | $10,753-100.0% | $8,363-100.0% |
| Participant deferral / active EE | $0 | $7,319-100.0% | $6,996-100.0% | $5,961-100.0% |
| Admin fee / account holder | $43,793 | $103,815-57.8% | $93,515-53.2% | $31,735+38.0% |