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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 | $572 | $122,962-99.5% | $71,585-99.2% | $138,895-99.6% |
| Participation rate | 66.7% | 68.9%-2.2pp | 68.2%-1.5pp | 79.9%-13.3pp |
| Annual return | 0.00% | 37.84%-37.8pp | 59.26%-59.3pp | 145.39%-145.4pp |
| Employer contribution / active EE | $3,825 | $2,620+46.0% | $1,669+129.2% | $4,194-8.8% |
| Participant deferral / active EE | $14,303 | $4,311+231.8% | $2,923+389.3% | $6,396+123.6% |
| Admin fee / account holder | $316 | $6,488-95.1% | $4,712-93.3% | $12,562-97.5% |