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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 | $174,660 | $172,111+1.5% | $150,298+16.2% | $137,256+27.3% |
| Participation rate | 0.0% | 81.7%-81.7pp | 77.8%-77.8pp | 80.0%-80.0pp |
| Annual return | 5.37% | 69.37%-64.0pp | 62.79%-57.4pp | 220.34%-215.0pp |
| Employer contribution / active EE | $27,730 | $4,636+498.1% | $4,154+567.5% | $4,156+567.2% |
| Participant deferral / active EE | $38,294 | $6,166+521.1% | $5,453+602.3% | $6,407+497.7% |
| Admin fee / account holder | $134,072 | $16,471+714.0% | $14,116+849.8% | $12,270+992.7% |