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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 | $185,312-5.7% | $161,489+8.2% | $154,746+12.9% |
| Participation rate | 0.0% | 82.5%-82.5pp | 78.7%-78.7pp | 80.7%-80.7pp |
| Annual return | 5.37% | 103.84%-98.5pp | 89.72%-84.4pp | 172.34%-167.0pp |
| Employer contribution / active EE | $27,730 | $4,769+481.4% | $4,268+549.7% | $4,379+533.2% |
| Participant deferral / active EE | $38,294 | $6,350+503.1% | $5,630+580.2% | $6,730+469.0% |
| Admin fee / account holder | $134,072 | $18,654+618.7% | $16,006+737.7% | $14,365+833.3% |