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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.
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 | $9,484 | $166,242-94.3% | $165,071-94.3% | $145,884-93.5% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.6%-18.6pp | 80.3%-20.3pp |
| Annual return | 4.04% | 100.44%-96.4pp | 70.17%-66.1pp | 551.85%-547.8pp |
| Employer contribution / active EE | $2,147 | $5,283-59.4% | $4,347-50.6% | $4,662-53.9% |
| Participant deferral / active EE | $17,843 | $6,964+156.2% | $6,035+195.6% | $6,690+166.7% |
| Admin fee / account holder | $1,872 | $16,658-88.8% | $12,695-85.3% | $13,392-86.0% |