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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 | $204,985 | $821,658-75.1% | $740,967-72.3% | $382,429-46.4% |
| Participation rate | 64.3% | 93.5%-29.2pp | 93.1%-28.9pp | 87.7%-23.5pp |
| Annual return | 27.13% | 11.77%+15.4pp | 11.85%+15.3pp | 248.85%-221.7pp |
| Employer contribution / active EE | $0 | $11,052-100.0% | $10,506-100.0% | $8,036-100.0% |
| Participant deferral / active EE | $0 | $6,303-100.0% | $6,284-100.0% | $5,727-100.0% |
| Admin fee / account holder | $6,631 | $85,347-92.2% | $75,689-91.2% | $30,732-78.4% |