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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $4,346 | $96,388-95.5% | $80,627-94.6% | $139,466-96.9% |
| Participation rate | 66.7% | 73.6%-7.0pp | 67.0%-0.3pp | 80.3%-13.7pp |
| Annual return | 11.76% | 1352.08%-1340.3pp | 936.76%-925.0pp | 373.66%-361.9pp |
| Employer contribution / active EE | $3,033 | $3,260-7.0% | $2,723+11.4% | $4,754-36.2% |
| Participant deferral / active EE | $133 | $5,224-97.5% | $4,443-97.0% | $6,712-98.0% |
| Admin fee / account holder | $86 | $6,603-98.7% | $5,381-98.4% | $11,409-99.2% |