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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 | $96,494 | $175,259-44.9% | $149,723-35.6% | $139,487-30.8% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 3.61% | 166.82%-163.2pp | 134.50%-130.9pp | 373.84%-370.2pp |
| Employer contribution / active EE | $29,154 | $5,478+432.2% | $4,821+504.7% | $4,755+513.2% |
| Participant deferral / active EE | $7,692 | $6,522+17.9% | $5,682+35.4% | $6,713+14.6% |
| Admin fee / account holder | $498 | $16,158-96.9% | $13,215-96.2% | $11,407-95.6% |