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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $65,698 | $88,815-26.0% | $81,882-19.8% | $145,897-55.0% |
| Participation rate | 40.0% | 75.1%-35.1pp | 72.4%-32.4pp | 80.3%-40.3pp |
| Annual return | 16.99% | 1033.75%-1016.8pp | 779.47%-762.5pp | 552.29%-535.3pp |
| Employer contribution / active EE | $730 | $3,086-76.3% | $2,916-75.0% | $4,663-84.3% |
| Participant deferral / active EE | $626 | $4,647-86.5% | $4,323-85.5% | $6,689-90.6% |
| Admin fee / account holder | $6,528 | $8,434-22.6% | $7,360-11.3% | $13,390-51.3% |