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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 | $102,551 | $185,312-44.7% | $161,489-36.5% | $154,746-33.7% |
| Participation rate | 0.0% | 82.5%-82.5pp | 78.7%-78.7pp | 80.7%-80.7pp |
| Annual return | 9.64% | 103.84%-94.2pp | 89.72%-80.1pp | 172.34%-162.7pp |
| Employer contribution / active EE | $7,305 | $4,769+53.2% | $4,268+71.1% | $4,379+66.8% |
| Participant deferral / active EE | $20,971 | $6,350+230.3% | $5,630+272.5% | $6,730+211.6% |
| Admin fee / account holder | $32,377 | $18,654+73.6% | $16,006+102.3% | $14,365+125.4% |