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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 | $32,797 | $138,075-76.2% | $123,552-73.5% | $135,379-75.8% |
| Participation rate | 0.0% | 84.7%-84.7pp | 82.3%-82.3pp | 82.6%-82.6pp |
| Annual return | -9.45% | 153.70%-163.1pp | 119.20%-128.7pp | 519.79%-529.2pp |
| Employer contribution / active EE | $37,509 | $5,152+628.1% | $4,628+710.5% | $4,779+684.9% |
| Participant deferral / active EE | $82,257 | $6,800+1109.7% | $6,426+1180.1% | $5,609+1366.5% |
| Admin fee / account holder | $2,080 | $10,917-80.9% | $9,285-77.6% | $10,828-80.8% |