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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 | $21,582 | $162,785-86.7% | $133,959-83.9% | $158,950-86.4% |
| Participation rate | 68.8% | 83.2%-14.5pp | 79.8%-11.1pp | 82.0%-13.2pp |
| Annual return | 53.78% | 41.94%+11.8pp | 45.09%+8.7pp | 302.91%-249.1pp |
| Employer contribution / active EE | $8,264 | $4,975+66.1% | $3,919+110.9% | $4,762+73.5% |
| Participant deferral / active EE | $37,585 | $5,910+535.9% | $5,047+644.7% | $5,983+528.2% |
| Admin fee / account holder | $4,555 | $11,738-61.2% | $8,928-49.0% | $11,248-59.5% |