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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 | $180,749-94.7% | $160,784-94.1% | $137,256-93.1% |
| Participation rate | 0.0% | 80.0%-80.0pp | 77.0%-77.0pp | 80.0%-80.0pp |
| Annual return | 18.88% | 2234.46%-2215.6pp | 1803.92%-1785.0pp | 220.34%-201.5pp |
| Employer contribution / active EE | $15,100 | $4,155+263.4% | $3,733+304.5% | $4,156+263.3% |
| Participant deferral / active EE | $46,551 | $6,844+580.1% | $6,293+639.7% | $6,407+626.6% |
| Admin fee / account holder | $3,025 | $10,397-70.9% | $9,717-68.9% | $12,270-75.3% |