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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 | $21,333 | $183,592-88.4% | $155,567-86.3% | $145,959-85.4% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 3.79% | 61.24%-57.4pp | 64.74%-60.9pp | 561.95%-558.2pp |
| Employer contribution / active EE | $2,345 | $5,315-55.9% | $4,674-49.8% | $4,661-49.7% |
| Participant deferral / active EE | $9,250 | $6,464+43.1% | $5,628+64.4% | $6,689+38.3% |
| Admin fee / account holder | $2,322 | $19,318-88.0% | $15,916-85.4% | $13,398-82.7% |