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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.)
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 | $11,204 | $114,237-90.2% | $119,258-90.6% | $167,536-93.3% |
| Participation rate | 50.0% | 83.7%-33.7pp | 82.7%-32.7pp | 82.1%-32.1pp |
| Annual return | 12.43% | 29.87%-17.4pp | 30.69%-18.3pp | 478.82%-466.4pp |
| Employer contribution / active EE | $36,318 | $4,481+710.5% | $4,384+728.4% | $4,839+650.5% |
| Participant deferral / active EE | $84,381 | $6,084+1287.0% | $6,111+1280.8% | $6,342+1230.5% |
| Admin fee / account holder | $2,305 | $8,932-74.2% | $7,226-68.1% | $12,315-81.3% |