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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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,578 | $98,766-93.3% | $149,730-95.6% | $79,852-91.8% |
| Participation rate | 82.8% | 75.8%+7.0pp | 82.5%+0.3pp | 69.6%+13.1pp |
| Annual return | 30.29% | 27.43%+2.9pp | 276.70%-246.4pp | 31.72%-1.4pp |
| Employer contribution / active EE | $5,731 | $3,217+78.2% | $4,645+23.4% | $2,471+131.9% |
| Participant deferral / active EE | $7,162 | $5,681+26.1% | $6,843+4.7% | $3,740+91.5% |
| Admin fee / account holder | $30 | $6,052-99.5% | $9,310-99.7% | $5,306-99.4% |