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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 | $65,938 | $77,707-15.1% | $70,160-6.0% | $139,466-52.7% |
| Participation rate | 40.0% | 83.1%-43.1pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 10.52% | 19.30%-8.8pp | 19.08%-8.6pp | 373.66%-363.1pp |
| Employer contribution / active EE | $0 | $4,986-100.0% | $4,285-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $0 | $6,443-100.0% | $5,394-100.0% | $6,712-100.0% |
| Admin fee / account holder | $472 | $5,397-91.3% | $4,582-89.7% | $11,409-95.9% |