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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 | $17,207 | $124,425-86.2% | $112,040-84.6% | $137,256-87.5% |
| Participation rate | 0.0% | 79.3%-79.3pp | 76.5%-76.5pp | 80.0%-80.0pp |
| Annual return | 26.05% | 24.72%+1.3pp | 24.52%+1.5pp | 220.34%-194.3pp |
| Employer contribution / active EE | $52,079 | $3,411+1426.6% | $2,954+1663.0% | $4,156+1153.1% |
| Participant deferral / active EE | $102,610 | $5,718+1694.4% | $5,098+1912.9% | $6,407+1501.6% |
| Admin fee / account holder | $1,936 | $15,207-87.3% | $12,098-84.0% | $12,270-84.2% |