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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 | $9,530 | $208,088-95.4% | $186,193-94.9% | $154,746-93.8% |
| Participation rate | 0.0% | 80.0%-80.0pp | 77.1%-77.1pp | 80.7%-80.7pp |
| Annual return | 18.88% | 89.97%-71.1pp | 78.03%-59.2pp | 172.34%-153.5pp |
| Employer contribution / active EE | $15,100 | $4,340+247.9% | $3,918+285.4% | $4,379+244.8% |
| Participant deferral / active EE | $46,551 | $7,078+557.7% | $6,513+614.7% | $6,730+591.7% |
| Admin fee / account holder | $3,025 | $11,698-74.1% | $11,058-72.6% | $14,365-78.9% |