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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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.
Plan reported a final filing / termination within the last year.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,780 | $78,423+9.4% | $95,964-10.6% | $79,856+7.4% |
| Participation rate | 56.4% | 73.5%-17.1pp | 77.1%-20.7pp | 69.6%-13.3pp |
| Annual return | 14.51% | 19.37%-4.9pp | 91.64%-77.1pp | 31.71%-17.2pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,585 | $3,440-53.9% | $4,167-62.0% | $3,741-57.6% |
| Admin fee / account holder | $3,889 | $5,622-30.8% | $6,797-42.8% | $5,306-26.7% |