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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $52,492 | $111,878-53.1% | $93,727-44.0% | $145,897-64.0% |
| Participation rate | 0.0% | 74.2%-74.2pp | 68.7%-68.7pp | 80.3%-80.3pp |
| Annual return | 7.29% | 204.28%-197.0pp | 133.83%-126.5pp | 552.29%-545.0pp |
| Employer contribution / active EE | $15,572 | $3,092+403.6% | $2,421+543.1% | $4,663+234.0% |
| Participant deferral / active EE | $35,079 | $4,920+612.9% | $4,417+694.2% | $6,689+424.4% |
| Admin fee / account holder | $28,768 | $10,256+180.5% | $8,292+246.9% | $13,390+114.8% |