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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 | $73,014 | $132,634-45.0% | $115,768-36.9% | $137,256-46.8% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.4%-74.4pp | 80.0%-80.0pp |
| Annual return | 2.29% | 160.70%-158.4pp | 100.46%-98.2pp | 220.34%-218.0pp |
| Employer contribution / active EE | $22,495 | $3,360+569.6% | $2,940+665.2% | $4,156+441.3% |
| Participant deferral / active EE | $31,700 | $5,619+464.2% | $4,917+544.7% | $6,407+394.8% |
| Admin fee / account holder | $11,107 | $15,028-26.1% | $12,439-10.7% | $12,270-9.5% |